Is is my current situation.

Fed Loan is a few loans in one.  ( I pay a monthly $346.21) I have included a screen shot of it.
My balance is 20,835.21

I also have a private loan from Navient. ( I pay $150.00 a month)
My balance is 9,512.72

I have been paying this since I graduated from college and started teaching. I’m on my 5th year teaching a a title one low income school. I was wondering should I keep it the way it is payment plans or should I change it etc….?

I asked someone for advice and this is their response. Just wondering what do you think?

I would suggest you refinance and consolidate your student loans with SoFi.  They would essentially pay off all of your loans and then you’d have a loan with them, likely at a lower rate (starts at 3.5% for fixed, which depending on length, etc).  This can minimize how much you end up paying in the long run as it looks like your rate is as high as 6.8%.  Using SoFi also helps to streamline the process so you don’t have to send in multiple payments and have to check on different balances.  I’ve done this myself in the past and I was very happy with the experience.  Let me know if you have any questions.

Here is also the Navient Loan

Up to you. I personally wouldn’t consolidate the federal loans into a private loan, because you’d lose a lot of the protections offered from federal loans (e.g. automatic forgiveness upon death, 100% disability, deferments, etc). Plus, federal loans offer some forgiveness programs and income based repayment options that are most likely not available with a private loan. Even though both are not discharged upon bankruptcy, private loans were gouge you with late fees if you are one day late, vs federal loans which are much more forgiving (no late fees, reported only to credit bureaus 30-days late, or maybe it’s 90 days now). Looking at your pictures, the navient loans look to be federal loans, not private loans. They might be FFEL loans, but if so they are still federal loans, and come with the same protections.