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There is basically no risk, they are government guaranteed and can't be defaulted on.

No I think it depends on when you went to college. IIRC, it was 7.5% for 2006-2008 and was around 3.8-5.0% in 2010 - 2015

That's the standard rate for the "federal non subsidized stafford loan"

For a specific bracket (time attended, and level of education). Most undergrads are facings rates half of that.

Can you refinance?

I've been looking into it. Wanted to wait until I held my current job for a year so that I could get a better interest rate.