Notice: SoFi Refinance Student Loans are private loans. When you refinance federal loans with a SoFi loan, YOU FORFEIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE. Information current as of 12/14/25 and subject to change. SoFi Refinance Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).
✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
1 All bonuses will be paid to a SoFi Checking and Savings account. SoFi
Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. Terms
and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR
DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT
NOTICE. Please note that any friend whom you’d like to refer must use your
specific referral link to sign-up or apply for the product they want. Only one
referral reward and one Welcome Bonus per new customer: you will not receive
multiple referral bonuses for the same friend taking out multiple loans or
products, nor will your friend receive multiple welcome bonuses for taking out
multiple loans or products. Eligibility: SoFi Mortgage Loans are never eligible for
the SoFi Referral Program. The Program is open to all members who reside
outside of Vermont, who are of the legal age of majority in the state in which they
reside. SoFi employees are not eligible to participate in this Program. See
additional eligibility requirements per product in the Official Referral Program
Rules. Referral Cap: In no event will any person be entitled to receive more than
$10,000 in cumulative referrals or welcome bonuses under The Referral Program
within any calendar year. Referral Bonuses and Welcome Bonuses are each
considered miscellaneous income and may be reportable to the IRS on Form
1099-MISC (or Form 1042-S, if applicable). Recipient is responsible for any
applicable federal, state, or local taxes associated with receiving the bonus offer;
consult your tax advisor to determine applicable tax consequences. Additional
terms and conditions apply. See the Official Referral Program Rules for details.
$1,000 Medical and Dental Referral Offer: All referral program terms and conditions apply. Offer is subject to lender approval and not available to residents of Vermont. The offer is only open to new medical or dental Student Loan Refinance borrowers and may not be combined with other offers aside from the autopay discount. For both the referrer and referee to each receive a $1,000 bonus, the referee must: (1) register and apply for a medical or dental student loan refinance through the referral link provided; (2) meet SoFi’s underwriting criteria; (3) complete and fund a loan with SoFi; and (4) have or apply for a SoFi Checking and Savings or have a SoFi Money account to receive the bonus. Once conditions are met and the loan has been disbursed, both the referrer and referee welcome bonus will be deposited into their respective SoFi Checking and Savings or Money account within 30 calendar days. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year will be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time with or without notice.