When I applied to refinance, 6 months ago, the offered rates weren't much less than my current FAFSA loan rates, and the monthly payment on a 10 year standard repayment timeframe were somehow higher than what I currently pay even with that marginally reduced rate.
That may have changed with the COVID-19 recession and rates may be better now, but also loan forgiveness is becoming more and more popular amongst progressive presidential candidates. Now with COVID-19, that seems to be gaining some more traction. If you refinance.
But if you can get a great rate, and have a good job with a good group or hospital, go for it. If you work for a greedy old-timey private podiatry pod your job is less secure, I'd stick with the FAFSA stuff.