I’ve noticed a few people saying to refinance them. Just remember when you do that, you lose the benefits of it being a federal loan. Say you lose your job, well you get 36 months of forbearance over the life of your loan. That means you don’t have to pay during times of hardship. The same thing is not said for personal loans. You can also defer if you ever go back to school, again a benefit you lose. There is income based repayment, as well as other repayment options, which you lose as a personal loan. Id just do the snowball method and throw money at it. Do not refinance even if you improve your credit later on and can!