**1 – Member Lifetime Savings** – Total member lifetime savings calculation of **98%** is based on all SoFi borrowers who refinanced their student loans between 8/16/2012 and 9/30/2016, which constitutes 85.2% of our borrower base as of 12/31/2016. Prior to refinancing, these borrowers had a balance of $5.511B and lifetime payment of $8.256B at a weighted average rate of 7.06%. After refinancing, these borrowers have a lifetime payment of $6.810B based on a weighted average of new rates received across both types (fixed and variable) and respective loan terms with AutoPay. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time **(PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE)** 2) members make all payments on time 3) members make monthly payments for the full duration of their loan 4) members take advantage of AutoPay, which enables them to lower the APR of their loan by 0.25%. Borrowers refinancing loans into longer terms typically forfeit savings for lower monthly payments.

**2 – Member Monthly Savings** – Average monthly savings calculation of **$290 ^{2f}** is based on all SoFi members who refinanced their student loans between 8/16/2012 and 6/30/2016. The calculation is derived by averaging the monthly savings of SoFi members, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

**3 – Attorney Lifetime Savings** – Lifetime savings calculation of **$15,767 ^{2}** is based on all SoFi members with a law school degree who refinanced their student loans between 11/6/2012 and 6/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi law school degree members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

**4 – Attorney Monthly Savings** – Monthly savings calculation of **$391** is based on all SoFi members with a law school degree who refinanced their student loans between 11/6/2012 and 6/30/2016. The calculation is derived by averaging the monthly savings of SoFi members with a law school degree, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time **(PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE)** 2) members make all payments on time. SoFi’s monthly savings methodology for student loan refinancing excludes refinancings in which 1) members elect a SoFi loan with a shorter term than their prior student loan term(s) 2) the term length of the SoFi member’s prior student loan(s) was shorter than 5 years or longer than 30 years 3) the SoFi member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our monthly savings amount and to minimize the risk of member data error skewing the monthly savings amount.

**5 – Dentist Lifetime Savings** – Lifetime savings calculation of **$59,644 ^{*}** is based on all SoFi members with a dental school degree who refinanced their student loans between 2/28/2014 and 6/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi dental school degree members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

**6 – Dentist Monthly Savings** – Monthly savings calculation of **$800** is based on all SoFi members with a dental school degree who refinanced their student loans between 2/28/2014 and 6/30/2016. The calculation is derived by averaging the monthly savings of SoFi members with a dental school degree, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time **(PROJECTIONS FOR VARIABLE RATES ARE STATIC AT THE TIME OF REFINANCING AND DO NOT REFLECT ACTUAL MOVEMENT OF RATES IN THE FUTURE)** 2) members make all payments on time. SoFi’s monthly savings methodology for student loan refinancing excludes refinancings in which 1) members elect a SoFi loan with a shorter term than their prior student loan term(s) 2) the term length of the SoFi member’s prior student loan(s) was shorter than 5 years or longer than 30 years 3) the SoFi member did not provide correct or complete information regarding his or her outstanding balance, loan type, APR, or current monthly payment. SoFi excludes the above refinancings in an effort to maximize transparency on how we calculate our monthly savings amount and to minimize the risk of member data error skewing the monthly savings amount.

**7 – Medical M.D. Lifetime Savings** – Lifetime savings calculation of **$44,282 ^{7}** is based on all SoFi members with a medical school degree (M.D.) who refinanced their student loans between 6/14/2013 and 6/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi medical school degree (M.D.) members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

**8 – Medical M.D. Monthly Savings** – Monthly savings calculation of **$577** is based on all SoFi members with a medical school degree (M.D.) who refinanced their student loans between 10/25/2013 and 6/30/2016. The calculation is derived by averaging the monthly savings of SoFi members with a medical school degree (M.D.), which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

**9 – Pharmacist Lifetime Savings** – Lifetime savings calculation of **$28,660 ^{9}** is based on all SoFi members with a pharmacist degree who refinanced their student loans between 8/28/2013 and 6/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi pharmacist degree members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

**10 – Pharmacist Monthly Savings **– Monthly savings calculation of **$408** is based on all SoFi members with a pharmacist degree who refinanced their student loans between 2/28/2014 and 6/30/2016. The calculation is derived by averaging the monthly savings of SoFi members with a pharmacist degree, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

**11 – Nursing Lifetime Savings** – Lifetime savings calculation of **$25,052 ^{11}** is based on all SoFi members with a nursing degree who refinanced their student loans between 6/14/2013 and 6/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi nursing degree members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

**12 – Nursing Monthly Savings** – Monthly savings calculation of **$313** is based on all SoFi members with a nursing degree who refinanced their student loans between 7/8/2013 and 6/30/2016. The calculation is derived by averaging the monthly savings of SoFi members with a nursing degree, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

**13 – Medical D.O. Lifetime Savings** – Lifetime savings calculation of **$53,609** is based on all SoFi members with a medical school degree (D.O.) who refinanced their student loans between 3/19/2014 and 6/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi medical school degree (D.O.) members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

**14 – Medical D.O. Monthly Savings**– Monthly savings calculation of **$737** is based on all SoFi members with a medical school degree (D.O.) who refinanced their student loans between 4/8/2014 and 6/30/2016. The calculation is derived by averaging the monthly savings of SoFi members with a medical school degree (D.O.), which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

**15 – M.B.A. Degree Lifetime Savings** – Lifetime savings calculation of **$20,215** is based on all SoFi members with a MBA degree who refinanced their student loans between 8/16/2012 and 6/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi MBA-degree members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

**16 – M.B.A. Degree Monthly Savings** – Monthly savings calculation of **$248** is based on all SoFi members with a MBA degree who refinanced their student loans between 8/16/2012 and 6/30/2016. The calculation is derived by averaging the monthly savings of SoFi members with a MBA degree, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

**17 – Math Degree Lifetime Savings** – Lifetime savings calculation of **$13,826** is based on all SoFi members with a math graduate (masters) degree who refinanced their student loans between 3/4/2014 and 6/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi math graduate (masters) degree members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

**18 – Math Degree Monthly Savings** – Monthly savings calculation of **$188** is based on all SoFi members with a math graduate (masters) degree who refinanced their student loans between 3/4/2014 and 6/30/2016. The calculation is derived by averaging the monthly savings of SoFi members with a math graduate (masters) degree, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

**19 – Engineering Degree Lifetime Savings** – Lifetime savings calculation of **$13,307** is based on all SoFi members with an engineering graduate (masters) degree who refinanced their student loans between 6/6/2013 and 6/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi engineering graduate (masters) degree members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

**20 – Engineering Degree Monthly Savings** – Monthly savings calculation of **$204** is based on all SoFi members with an engineering graduate (masters) degree who refinanced their student loans between 8/15/2013 and 6/30/2016. The calculation is derived by averaging the monthly savings of SoFi members with an engineering graduate (masters) degree, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

**21 – M.D. and D.O. Lifetime Savings** – Lifetime savings calculation of **$46,060** is based on all SoFi members with an M.D. or D.O. degree who refinanced their student loans between 06/14/2013 and 06/30/2016. The savings calculation is derived by taking the estimated lifetime cost of existing student loans minus the lifetime cost of SoFi loans upon refinancing for SoFi M.D. and D.O. degree members who refinanced their student loans. SoFi’s lifetime savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

**22 – M.D. and D.O. Monthly Savings** – Monthly savings calculation of **$611** is based on all SoFi members with an M.D. or D.O. degree who refinanced their student loans between 08/16/2012 and 04/03/2017. The calculation is derived by averaging the monthly savings of SoFi members with an M.D. or D.O. degree, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing with SoFi. SoFi’s monthly savings methodology for student loan refinancing assumes 1) members’ interest rates do not change over time

Sign up bonus payment will be issued electronically once you become a SoFi borrower; you have submitted a completed application with documents and your loan has been disbursed. Offer good for new customers only.

All loans funded by SoFi Lending Corp. CFL license #6054612. NMLS #1121636. [default_landing_main]