u/Away-Confidence-1529

I’m drowning in student loan debt and payments. I have no idea what the best option is, i originally wanted to refinance my private loans but now my federal loans jumped to 200$ a month and that’s with income driven plans. I already pay 1,200$ a month for my private loans interest rates are like 10-14% each. Should I refinance all or just the private? Will that even help? Right now payments are taking half of my income in just student loans.