SoFi is committed to fighting racism, standing in solidarity with all of our communities, providing space for open dialogue,
as well as taking action as informed allies. We are donating $1 million to organizations that empower people of color and their allies.
Apply through this page to receive your 0.125% rate discount on your loan‡
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 $50 billion+ in loans to date.
Save on your student loans by choosing between a range of rates and terms. No prepayment penalties and no hidden fees. Ever.
The student loan refinancing process is fast, easy, and can be done entirely online.
View Payment Examples
SoFi offers a range of terms and rates—so yours are going to look different from this illustrative chart, which is just something designed to show you what the SoFi app looks like.
We’ll let you know if you’re qualified before you finish the full application.
Choose between saving on your monthly payment or saving on total student loan interest.
Upload screenshots of your information, then sign your paperwork electronically.
We pay off your servicer(s) and issue you one new student loan.
It takes only two minutes and
won't affect your credit score.✝︎
Save thousands of dollars thanks to low fixed and variable rates.
Simple online application and access to live customer support 7 days a week.
No application or origination fees. No pre-payment penalties.
Get a 0.125% rate discount on additional SoFi loans—just for being a member.✝︎✝︎