re: Refinacing student loan and extending term

I agree with hungryone. If you really need extra cash each month, then do it by increasing your income, not by extending a loan. You're halfway there.

Forgive me for being ignorant, cause I never took a student loan, but if student loans are amortized then you've already paid a majority of your interest, and your remaining payments are actually lower interest than you think. Meaning that if you refinance, you'd be on the front end of a new amortization.
Don't lose your momentum. Keep rolling.