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Personally used Earnest.
They were very easy and let me customized. I wanted a very specific payment and they let me do a weird 13 year, 9 mo refi to hit that payment. Plus the rate was one of the lowest I could find.
Federal or private loan? Personally I wouldn’t refinance my federal loan because you lose all benefits, i.e. you wouldn’t be able to take advantage of the current forbearance.
I refinanced my private loan with a local credit union, they had the best rate. I would never do variable unless you know you can pay it off in the next year or two, otherwise you can’t know how to plan for future interest rates.
If you haven’t already, play around with a loan amortization table to see the payments, interest, and effects of paying additional each month. Always make sure you’re comfortable with the payment and give yourself some wiggle room in case, god forbid, you were to lose your income.