No, a bank’s job is to make money. Going to a bank and asking if refinancing is a good idea is like going to a car salesman and asking him what a good price on a car is.
He’s received some very good advice here.
As for moving in with the high school sweetie… yikes. All I can say is at least with that mistake you’ll only be bound by a 1 year lease, not a 5 year loan. 