Need advice to lower my payments



Hey everyone,

I currently have 90k in student loans:
-47k @5.08% ($554/mo)
-24k @4% ($269/mo)
-19k @4% ($286/mo)

In total I pay about $1,100/mo.

I’m looking to move out so I’m looking to lower my monthly payments, I won’t be able to refinance for lower than a 5% interest rate.

Is my best solution to just refinance and pay over a longer period of time?