Don't get stuck with
the standard student loan rate.

You've worked hard. You deserve better.

Find My Rate


Our members save $9,4002, on average. Variable rates starting at 2.91% APR (with Autopay)1

Unemployment protection3

If you lose your job, we’ll pause your loan payments and help you find a new job. What bank would do that?

Exclusive Products

Be the first to take advantage of our new products like the members-only mortgage pilot.

Career Support

Need help reaching your career goals? Complimentary coaching for SoFi members.

SoFi members enjoy more than better rates.

Check out our suite of community services from career advising to support for entrepreneurs.

Career Services

We help people find jobs. Every day, we talk with SoFi members, proposing job opportunities, discussing career strategy and connecting members with one another.

Learn More

“After I was laid off, I got a call from SoFi asking how they could help me find a job. I was completely blown away."

Catie Gould

Entrepreneur Program

We create opportunities for entrepreneurs. Qualified applicants can receive a 6-month deferral, professional mentorship and access to a cohort of like-minded entrepreneurs.

Learn More

“The SoFi entrepreneur program has allowed me to apply all that I have learned at Stanford to my next startup."

Christine Luby

Ready to start saving?

It only takes minutes to apply for a ReFi Student loan.

Find My Rate


Call us for a FREE loan consultation at 855-456-SOFI

Loans Funded
Total Borrowers
Average Savings per Borrower

Mon-Thurs 7am-8pm PT
Fri 7am-4pm PT
Sat-Sun 7am-2pm PT

One Letterman Drive, Building C
Main Floor Suite 250
San Francisco, CA 94129

SoFi is not affiliated with colleges and universities listed on Colleges and universities listed on do not endorse, promote or recommend SoFi loan products.


Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident and meet SoFi's underwriting requirements. Lowest rates are reserved for the best borrowers. This information is current as of March 17, 2014 and is subject to change. SoFi loans are originated by SoFi Lending Corp (dba SoFi) California Finance Lender #6054612. NMLS #1121636. NMLS Consumer Access


The information contained herein does not constitute an offer to sell securities or a solicitation of an offer to buy securities. Buying or selling the SoFi Private Investment Funds (the “Funds”) can only be made by private placement memorandum and related subscription documents, which will be provided to accredited investors on a confidential basis at their request for their consideration in connection with such offering. Investment in the Funds will involve significant risks, including loss of principal. The Funds will have limited liquidity options, as there is a limited secondary market for the Funds. None of the information contained in this release is a recommendation for investment in any securities. SoFi is not affiliated with or officially endorsed by listed universities.

Refinance loans

1. Fixed rates from 4.99% APR (with AutoPay) to 6.99% (without AutoPay). Variable rates currently from 2.91% APR (with AutoPay) to 5.16% (without AutoPay), capped at 8.95% APR. Fixed 4.99% APR assumes a 5-year loan with all timely monthly payments, no grace period, no deferment, or any other disruption to regularly scheduled payments. Variable 2.91% APR assumes current 1-month Libor rate of .16% plus 2.75% APR. If approved for a loan, the fixed or variable interest rate offered will depend on the borrower's credit history and will be within the ranges of rates listed above. For the SoFi variable rate product, the 1-month Libor index will adjust monthly and the loan payment will be re-amortized and changed monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

2. SoFi average borrower savings assumes 10-year student loan refinancing with a weighted average rate of 7.67% and a loan balance of $86,000, compared to SoFi's median 10-year rate of 5.875% (with AutoPay).


Some of the individuals quoted on this site were paid up to $100 in connection with the testimonials they provided.

3. If you lose your job through no fault of your own, you may apply for Unemployment Protection. SoFi will suspend your monthly SoFi loan payments and provide job placement assistance during your forbearance period. Interest will continue to accrue and will be added to your principal balance at the end of each forbearance period. Benefits are offered in three month increments, and capped at 12 months, in aggregate, over the life of the loan. To be eligible for this assistance you must provide proof that you have applied for and are eligible for unemployment compensation, and you must actively work with our career services department to look for new employment. If the loan is co-signed the unemployment protection applies where both the borrower and cosigner lose their job and meet conditions.