$200K under Graduated Repayment vs Refinance

Hey everyone,

I'm 2 years into repayment, considering refinancing with Sofi, and on paper this makes sense (I think?) but wanted to run the numbers with those similar to my situation. None of my loans are private and this is the current break down:

Total loan amount: $207,335.58

APR% with respective loan amounts

Group 1: 5.3% $24,690.38

Group 2: 6.6% $41,999.46

Group 3: 6.6% $47,642.21

Group 4: 6.080% $47,156.21

Group 5: 4.3% $45,848.32

Current monthly payment: $1,570.55

I've asked my loan officer for a payment schedule but haven't received any official breakdown. This is all they were able to provide me the last time I spoke to them.

First Tier (1-24): $1,766.09

Next Tier (25-48): $2,295.95

Highest Tier (97-120): $5,044.30

As you can see, the monthly amount with Graduated Repayment plan is ridiculous towards the end and I have about 8 years remaining. My plan is to refinance Group 2, 3, and 4 for a total $136, 481.31, 10 year term with a 4.94% APR, and estimated monthly payment of $1,443.60. Since the APR is low for Group 1 and Group 5, I figured I can keep those under Federal loans and pay the minimum of what's left.

Any help is greatly appreciated and I can provide any other info as needed.