Timothy wants you to get $310.

You and Timothy get $10 each when you check your SoFi student loan rate. You and Timothy get another $300 each when you fund your SoFi loan.

Checking your rate will not affect your credit score.✝︎

NOTICE: Recent legislative changes have suspended all federal student loan payments and waived interest charges on federally held loans until 9/30/21. Please carefully consider these changes before refinancing federally held loans with SoFi, as in doing so you will no longer qualify for these changes or other current or future benefits applicable to federally held loans.

SoFi is the leading student loan
refinancing provider.

$30 billion+

in refinanced student loans

375,000+

members have refinanced their student loans

98%

of surveyed members would recommend SoFi to a friend*

Why SoFi?

Serious savings.

Save thousands of dollars thanks to flexible terms and low fixed or variable rates.

Fast, easy, and all online

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

No hidden fees, no catch

No application or origination fees. No pre-payment penalties.

Access to member benefits

SoFi members get career coaching, financial advice, and more—all at no cost.

Official Rules

The following describes the Terms of Service which apply to participation in the referral or account opening promotional programs (collectively, the “Referral Programs“) currently offered by Social Finance, Inc. (“SoFi“) and its affiliates. If you wish to participate in any Referral Program described below, you agree to the terms for such Referral Program described in Part I below, as well as the General Terms and Conditions in Part II, which apply to all Referral Programs.

*Please note that any friend whom you’d like to refer must use your specific product referral link in accordance with the terms and conditions associated with the specific promotional campaign for that link. Note you have separate referral links for (1) Personal Loans and Student Loans, (2) Money, and (3) Invest products. 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. SoFi mortgages are never eligible for the SoFi Referral Program. Additional terms and conditions apply.

Program terms—Part I

General terms and conditions—Part II