Negotiating Interest Rate With SOFI After Being Approved

What's your current term, and how far along are you into it?

No advice for negotiating, other than it seems necessary. You might realize that you are extending your loan, paying an extra year of interest. That might cancel any saving you get from a point deduction. That's a disappointing rate since I'm in the market also. I was hoping for around 4 from 5.8, guess I would have to do a home equity loan to get that.

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Is the interest on student loan debt front loaded like a mortgage? Might not make sense to refinance.

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no. you just pay interest as it accrues.

i refi'd with sofi at 4.5%, although i did variable. my fixed rate was like 5.5 or something. since you only pay interest as it accrues, refinancing at a lower rate with no fee is a no-brainer. your minimum payment will be lower. if you pay your old amount, you'll pay the new loan off sooner than you would have under the old loans. just because the term is 10 years doesn't mean you will be paying that long. imo everyone who can should refi with sofi or similar unless you qualify for some type of loan forgiveness program. i calculated my savings at around $10k in interest vs my government loan rates.