Refinance Student Loan – DM Primary Landing Page
Refi your student loans with SoFi and you could lower your rate.
You could put the cash you save towards other goals when you refinance.
Checking your rate will not affect your credit score✝︎.
Why refinance student loans?
Refinancing could help you pay off your student loan debt sooner or
bring down your monthly payment amount – all on your terms.
Lower your interest rate with no fees required.
A competitive fixed or variable student loan refinance rate could help you save thousands.
Pay off your loan sooner.
A shorter term can help you pay off your loan sooner. Plus, you could receive a
special rate discount with autopay.¹
Simplify your finances.
Consolidate all your student loan debt into one easy payment.
Free up more cash.
You could lower your monthly payments and put more money toward other goals,
like buying a home and saving for retirement.
Read more
Student Loan Refinance – Turbo
Refinance Student Loans
Save thousands on your student loans.
Checking your rate will not affect your credit score✝.
Welcome Turbo Users
SoFi is a leading student loan refinancing provider.
in refinanced student loans
members who’ve refinanced
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.
Investing in people who invest in themselves.
Accelerate your
career
Take your career to the next level with expert guidance from SoFi Career Coaches.
Experience the
SoFi community
Our member events range from dinners and happy hours to panel sessions and networking opportunities.
Access SoFi Wealth,
LLC advisors
Our licensed SoFi Wealth, LLC advisors are here to help you manage your money and start investing. No trading, transfer, custodian, or commission fees.
How it works:
The student loan refinancing process is fast, easy, and can be done entirely online.
New Term
APR
Illustrative
Lifetime Savings
5-year
4.03%
$13,680
7-year
4.57%
$16,963
10-year
4.98%
$15,511
View Payment Examples
SoFi offers a range of terms and rates—so yours are going to look different from this illustrative chart, which is just something designed to show you what the SoFi app looks like.
Get pre-approved 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-rate monthly payment.
We pay off your servicer(s) and issue you one new student loan.
It takes only two minutes and
won’t affect your credit score.✝
SoFi in the news
Get started
in minutes.
Speed matters. Which is why you can check loan rates or start investing online—in just minutes.
How It Works: Credit Scores and Our Lending Decisions
How It Works is an ongoing series here on our blog, exploring and demystifying topics about which we hear often from our members and the public. Today, we’re taking a look at how credit scores play into our lending decisions.
Read more
Money, Love, and Pure Deception: How Couples Really Deal with Finances
They say falling in love leads to happily ever after. But when you throw money in the mix, that ending can get complicated.
Couples frequently have issues around finances, whether it’s about budgeting, debt, spending, or simply aligning on future goals. But how they deal with those issues can be a different story. While some fight and get it all out in the open, our recent survey on the topic suggests that plenty of couples prefer to keep their money troubles under wraps—including from their partner.
After surveying over 3,300 couples across the U.S. (ages 18-45), the SoFi team dug into the details of financial infidelity, and discovered which kinds of money-related experiences can cause even the most communicative of partners to keep their other half in the dark. Just in time for Valentine’s Day, here are a few eye-openers around money, love, and pure deception.
Read moreRefinance Student Loan – Farm Credit
Welcome Farm Credit employees, family and friends
Apply through this page to get your $300 bonus when you refinance*.
Get started by checking your rates in just two minutes. Aside from great rates and an easy experience, we also offer awesome benefits. We’re here when you need us.
Have Parent PLUS loans? Learn more about Parent PLUS refinancing.
Rates and Terms
No origination fees in most states, no prepayment penalties. Whether you’re looking to pay off loans sooner or get a lower monthly payment (maybe even both), we offer a range of rates and terms. Choose what works for you.
Variable Rate
Rates start from 5.99% APR to
9.99% when you enroll in AutoPay.1
Fixed Rate
Rates available from 4.24% APR to
8.87% when you enroll in AutoPay.1
Why Refinance Student Loans with Sofi?
Serious
Savings
Low fixed and variable rates. No application or origination fees. Average member savings: $22,3592.
Federal + Private
SoFi is one of few lenders that can consolidate and refinance both federal and private loans (in a snap).
Unemployment
Protection3
If the unexpected happens, we’ll temporarily pause your loan payments and help you in your job search.
Career
Support
Our coaches will help you advance in your career, build a personal brand, negotiate your salary, and more.
Wealth
Advisors
Finances and investments can be confusing. Our Wealth advisors are here to help you make sense of it all.
Refinance Student Loans in Three Easy Steps
If you have questions, our friendly customer support team is standing by to help you through the process—seven days a week.
Online Pre-Approval
Our quick pre-approval process lets you know if you qualify before you complete the full application.
Select a Loan
Compare the plans available to you with specific payments, rates, and terms.
Upload & Sign
Easily upload documents via screenshots or smartphone photos, then sign your paperwork electronically.
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