Reduce the cost of your student loans

Fixed rates start at 3.50% and variable rates start
as low as 2.14% APR (with AutoPay)1.

Find My Rate

We’ve got your back.

Apply through this page to get your 0.125% rate discount on your loan.*

SoFi dentist members who refinance their student loans save an average of $49K2. Which is huge. Get started by checking your rates in just two minutes. Aside from great rates and an easy experience, we also offer awesome benefits—like unemployment protection and career support. We’re here when you need us. In fact, we’ve been there to help our members in funding over $9 billion in loans to date.

Rates and Terms

We offer a range of options so you can optimize your monthly payments, lifetime cost, or payoff speed. There are no origination fees or prepayment penalties. Choose the plan that fits your needs.

Variable Rate

Rates start from 2.14% APR to
5.94% APR (with AutoPay).1

Fixed Rate

Rates available from 3.50% APR to
7.74% APR (with AutoPay).1

Find My Rate Learn More

Why SoFi?

Federal + Private
Student Loans

Refinance and consolidate federal and private loans. Easily. Members save an average of $18,9362.


If you lose your job, we’ll temporarily pause your payments and help you find a new job.


Simple online application and access to live customer support 7 days a week.


Career support includes interview coaching, resume review, and negotiating tactics.

Find My Rate

So Easy

Get refinanced in as little as 15 minutes.

Online Pre-Approval

Our quick pre-approval process lets you know if you qualify before you complete the full application.

Select a Loan

Compare the plans available to you with specific payments, rates, and terms. Choose a plan that best fits your needs.

Upload Documents & Sign

Upload documents to verify your current loans and identity. Screen shots or smart phone photos are acceptable. Sign your paperwork electronically.

Get Started
Equal Housing Lender