Objectively, that is a lot to repay. Congratulations for acknowledging that it needs to be repaid quickly.

1. Confirm that the refinancing is truly no-fee, that there are no origination fees, closing fees, or similar built into the loan.
2. If 1. is true, you should definitely refinance all the private loans. If there are fees built in, the math becomes a bit more complicated (depending on how fast you will pay them back - 2k estimate is good, but you may pay faster or slower)
3. I would recommend refinancing all the federal loans as well - they are still extremely difficult to drop in bankruptcy. You should definitely consider the repayment rate before refinancing - many times there will be a payment elevator built in to account for increased earnings. At 4.8% and 10 years, you need to put ~$2200 monthly towards your payments.
4. Many companies have a 401k match up to 6% of salary - this is free money. You could put the money into a government bond, earn 3%, and still earn a 106% return. If your company offers this, you should definitely take advantage of this.

Objectively, that is a lot to repay. Congratulations for acknowledging that it needs to be repaid quickly.

1. Confirm that the refinancing is truly no-fee, that there are no origination fees, closing fees, or similar built into the loan.
2. Given 1. is true, you should definitely refinance all the private loans.
3. I would recommend refinancing all the federal loans as well - they are still extremely difficult to drop in bankruptcy. You should definitely consider the repayment rate before refinancing - many times there will be a payment elevator built in to account for increased earnings. At 4.8% and 10 years, you need to put ~$2200 monthly towards your payments. If you can afford to put in this amount or more, refinancing makes sense.
4. Given that your company does not match 401k, I would recommend paying off your student debt as quickly as possible. You can think of the debt payments as a guaranteed 4.8% return, vs an uncertain stock market.