Even though you have a lower monthly interest rate, you may pay more interest in the long run since now it takes longer to pay off the loan. (financialwellness.org)
As such, going with the lowest rate available may mean you'll pay more interest in the long run. (supermoney.com)
However, keep in mind you'll probably end up paying more interest in the long run with these options — which may be worth it, in order to save you from a garnished tax refund and keep your loans in good standing. (studentloanhero.com)