We’ll let you know if you’re qualified before you complete the full application.
Select your rate and term.
Compare the plans available to you with a choice of rates and terms.
Verify your info and sign.
Upload screenshots of your student loan statements, then sign your paperwork electronically.
Find your rate in just two minutes.
Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident, a medical resident or fellow with up to four years left in an approved program, and meet SoFi’s underwriting requirements; see eligible state. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions, and may not be available in all states, such as MS and MT. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Information current as of 7/1/19 and subject to change. Loans originated by SoFi Lending Corp (dba SoFi). Licensed by the DBO under the California Financing Law, license #6054612. NMLS #1121636 (www.nmlsconsumeraccess.org). See SoFi Legal for state-specific license details.
NOTICE: Recent legislative changes have suspended all federal student loan payments and waived interest charges on federally held loans until 9/30/20. 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.
✝ 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.