Refinance, consolidate all federals and privates loan

I currently have federal and private loans with the rate as follows
Federal
1. 3105, 3.48%
2. 5400, 3.48%
3. 4950 4.74%
4. 6388 4.74%
5. 5000 5.25%
6. 3100 5.25%

Private
1. 11k 9%
2. 13k 4.5%
3. 10k 4.5%

These came out as total of around ~62k to pay within the next 9 years. I’ve been paying around $950/month to every loans since Sept 2025( balance was around 70K at the time).

Was looking into refinance and got a rate at 4.2% to consolidate all of the loans with 2 options 5 years and 7years.
Total interest comes out to around 5K for the 5years options and about 8K for 8years.

Should I refinance all of this? Or just refinance all the loans that have higher rate than 4.2%

Public Service Loan Forgiveness doesnt pay until 10years after the loans were taken out. This feels kinda long and I do also have a mortgage about 6k/month. (Which I am looking at refinance options in the year of 2026)

Is there any better options that I should look into before refinance?

Any opinions will be appreciated,

Thanks in advance