u/Brilliant_Boot_1080

As the title says should I refinance with SoFi at a rate of 4.34% for 7 years or keep them on Nelnet with varying rates between 4%-9%?

I'm in a medical profession so I have relatively stable income and am not concerned with job security.

I don't really understand the whole IDR plans and with all the changes it's even more confusing. I don't plan on doing a forgiveness plan just want them gone...