Refinance Student Loans

Save thousands on your student loans.

Find My Rate

Checking your rate will not affect your credit score.

We’ve got your back.

Apply through this page to qualify for a 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 $30 billion in loans to date.

Pick the loan that works for you.

Save on your student loans by choosing between a range of rates and terms. No prepayment penalties and no hidden fees. Ever.

Fixed Rate

Rates available from 3.90% APR to 7.98% APR when you enroll in AutoPay.1

Variable Rate

Rates start from 2.47% APR to 6.99% APR when you enroll in AutoPay.1

How it works:

The student loan refinancing process is fast, easy, and can be done entirely online.

Term

APR

Lifetime
Savings

5-year

3.95%

$13,033

7-year

4.18%

$14,467

10-year

4.69%

$15,724

For illustrative purposes only, your actual savings may vary based on interest rates, balances,
remaining repayment term and other factors.

Get pre-qualified online in just two minutes.

We’ll let you know if you’re qualified before you finish the full application.

Select your rate and term.

Choose between saving on your monthly payment or saving on total student loan interest.

Verify your info and sign.

Upload screenshots of your information, then sign your paperwork electronically.

Switch to one low monthly payment.

We pay off your servicer(s) and issue you one new student loan.

Find my rate

It takes only two minutes and
won't affect your credit score.

SoFi is the leading student loan
refinancing provider.

$18 billion in refinanced student loans
250,000 + members who've refinanced
98% would recommend SoFi to a friend3.

Why refinance
with SoFi?

Get started
in minutes.

Speed matters. Which is why you can check loan rates—in just minutes.

Find my rate
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