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Messages - studentloaned

Thank you!
I'm also in a RPAYE pickle and could really use a second opinion. 

Current RPAYE loan total is $221,600 at 7.125%, for a graduate loans. Currently income is at approx. $100k, but it could slightly fluctuate up or down over the years.

Is it the SAFER bet to just refi with a private loan with PENFED (12 years at 4.91%) or stick with the RPAYE lower monthly payment and deal with the potential tax hit after the 25 years.  My gut says to go with the refi since I can afford the increased payments and like the idea of getting out of debt sooner... but I would love a second opinion to make sure I'm not making a big mistake to get out of the RPAYE program.

Thank you!!!