Refinance your student loans with SoFi:

Reduce the cost of your student debt

No fees. No prepayment penalties. No catch.

Variable rates as low as

2.91% APR

and fixed rates as low as 4.99% APR with AutoPay discount1

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Our borrowers can save up to $26,700.*

With no origination fees, significant borrower benefits, current variable rates as low as 2.91% APR and fixed rates as low as 4.99% APR (with AutoPay discount)1, SoFi offers a compelling refinancing option for both private and federal student loans.

About our rates →


Our community helps you find jobs, start companies and build connections

Our community is made up of alumni borrowers and investors, and organized for your benefit. We’ve facilitated hundreds of valuable connections directly and through our exclusive programs and events, such as the Entrepreneur Program and SoFi Supper Clubs.


Consolidate all your student loans into a single loan

With one lender, one bill and one monthly payment, you will avoid the hassle of multiple loans and bills.

Loan Features

  • Multiple loan terms available
  • No prepayment penalties
  • Discretionary grace period, forbearance or deferral

"I had to keep reminding myself that this was my lender. The whole thing was so personal, so outright friendly and supportive."

Avrumie Herssein
SoFi Borrower

Loans Funded
Total Borrowers
Average Savings per Borrower