Should my wife go with SoFi now for student loan refinancing, or compare a few more lenders first?

My wife and I are in Massachusetts, and she just got a job offer in healthcare as a physician assistant. She should be starting in about three weeks next month, God willing.

We’re trying to refinance her student loans soon, but we’re at the last SoFi step before the hard credit pull, so I wanted to get a gut check from people who have been through this recently.

Right now we’re seeing roughly:

– SoFi: 4.1%

– Earnest: 4.09% fixed starting

– RISLA: 5.9%

What we care about most is the actual final offer, not just the advertised starting rate. We also want to avoid unnecessary hard pulls, prefer fixed over variable, and want to make sure we’re not giving up federal loan protections unless refinancing is clearly worth it.

For people who compared lenders recently, would you just move ahead with SoFi here, or still check a few more first like Earnest, Laurel Road, Citizens, ELFI, or LendKey?

Also curious whether RISLA is really competitive for someone in Massachusetts, and whether there are any healthcare-specific refinance options that are actually worth checking.

Would appreciate any real-world feedback from people who went through this and compared actual offers before committing.

Edit: adding a bit more context since a few people asked. Current balance is about $190.8k, and the weighted average interest rate is around 9%.