Refinancing? What’s my option?

my grace period has ended on my student loans and I have to pay $1700 a month. $953 to first mark, $136 to Sallie mae, and $603 federal. I have about $98,000 in private loans and $24,000 in federal. I cannot afford this monthly payment anymore and I need to refinance. my credit score is in the low 700s but I haven't had credit for very long either.

I've looked into SoFi and they aren't quoting me about $960 a month for Sallie Mae and first mark consolidated, so not saving much money. I also applied for an IDR for my federal loans.

I already have a side hustle to make a bit of extra cash, but life in general is expensive. not even sure I'll be able to afford to drive to work soon. I'm pinching my pennies together hard.

any advice or other refinance options that have worked for you please let me know

TIA