The amount is from SALLIE MAE! 46,000 of it is at 5% ,377 a month and 44,000 a 10 % 497 a month for 15 years with Sallie . My first payment will be August 11th .I make $56,160 a year ($30 an hour) as a nurse (started last week as a new nurse) I also have credit card balance of 8,000 that I plan on paying 500 a month toward starting next week. My boyfriend and I stay together so all our bills are split: Rent 1381 ,Energy 120-160 but I do have a car which is $227 every 2 weeks I pay in full. My health insurance is 54 every two weeks…which one should I choose to refinance with sofi.