Should I Pay Off My Student Loans in Full?

Because of COVID I am in a position where I am able to pay off the current balance. Part of me wants the debt off the books so I don’t have to worry about it, but I know that the money could be put to work in the time being.

That being said, should I consider refinancing to and try to get a lower rate (for reference, I have two federal loans at 3.7% and 4.2%)?

Thanks all