A single discount may not look like much at a glance, but if you take advantage of them all, the savings pile up in a hurry. You can get up to 0.875% in total rate discounts*, saving you over $800 on a $36,000 loan with a 5-year term.
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Packed with brand new benefits, like the NEW SoFi Smart
Card, SoFi Plus now unlocks 20+ perks and $1,000+ in
annual value with qualifying activities.5 Plus up your
finances with our best rates, rewards, investment matches,
and more. Subscribe now for just $10/month.6
5$1,000 value: See assumptions and details below, value is not guaranteed and varies depending on benefits used. Terms apply.
Get unlimited 5% cash back rewards at grocery stores with the NEW SoFi Smart Card.
Get 4.30% APY on SoFi Bank savings for up to six months with eligible direct deposit. Terms apply.
Get a 2% match on recurring IRA contributions7, plus a 1% match on recurring deposits8 made through SoFi Invest®.
Schedule unlimited one-on-one sessions with experienced SoFi Wealth Financial Planners.9
Plus, more, more, more!
Get SoFi Plus
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{/* Description */}
This game-changing charge card is secured by your SoFi Checking and Savings and has no hard credit pull to apply.
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All the rewards of the NEW Smart Card are included with your SoFi Plus subscription of just $10/month6.
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– Hidden on Desktop.
– Visible on Tablet & Mobile.
– Uses ‘responsive-bottom-bg’ class to swap images based on screen size.
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Save $6,000 and earn $220 in interest with our highest APY on SoFi Bank savings.
Spend $2,300 on your SoFi Credit Card each month and earn $600 in cash back rewards.
Meet with a financial planner, a $250 value.
$250 value each time.
Schedule as many one-on-one sessions as you need.
4 sessions x $250 = $1,000.
We’ll celebrate you closing a dream home with a dream discount.
Your $1,000 discount is also available on a mortgage refinance.
Must be a SoFi Plus member when approved.
Or find your own path! There are so many ways to save and earn with SoFi Plus, we can’t wait to see what you’ll do.
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1$1,000 value: See assumptions and details below, value is not guaranteed and varies depending on benefits used. Terms apply.
The estimated value of a meeting with our financial planners is based on SoFi’s competitive assessment of similar offerings. See full terms below.
SoFi Plus members are eligible for a one-time discount on loans originated by SoFi Bank of $1,000 off the standard origination fee for home purchase or refinance mortgages. See full terms below.
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Double your match with SoFi Plus. Get a 1% match on your IRA contributions, plus an extra 1% cash match8 on all your recurring SoFi Invest® deposits.
Schedule your deposits
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Combining SoFi Plus and SoFi Invest could help you make some genius money moves—starting with double the usual welcome bonus, exclusively for SoFi Plus members.
Subscribe to SoFi Plus.
Open and fund your active invest account with at least $50.
Claim up to $2,000 in stock in the SoFi app!
You’ll receive up to $1,000 once you open and fund your active invest account, then your stock award will be doubled (up to $2,000) once we’ve confirmed your SoFi Plus membership status.
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13Customer must fund their Active Invest account with at least $50 within 45 days of opening the account. Receive a minimum of $10. Probability of member receiving $2,000 is a probability of 0.026% If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Percentages for the $2,000 are subject to decrease. See full terms and conditions.
No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this offer. Third party trademarks referenced herein are property of their respective owners.
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More rewards
10% boost on cash back rewards earned through select SoFi Credit Cards14
NEW! 5% cash back rewards on all bookings (excluding air) on SoFi Travel15
2x rewards points on qualifying account activity16
More for borrowers
$1,000 home mortgage discount. Must be a SoFi Plus member when approved.17
NEW! $400 home equity loan discount17
NEW! Rate discount on new Parent student loans18
Rate discount on new personal loans19
Rate discount on student loan refinancing20
See below for specific offer terms
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These easy-to-earn benefits are just the start of the $1,000+ in annual value that SoFi Plus subscribers unlock with qualifying activities.5
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SoFi Plus members get exclusive chances to enjoy top, live entertainment with SoFi Plus Experiences.
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Unlock $1,000+ in annual value with qualifying activities5 for just $10/month.6
Get SoFi Plus
Refinancing your student loan^ could help save you a ton of money, and you can get an additional $20001 welcome bonus when you refinance your student loan using this page.
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Checking your rate will not affect your credit score.✝︎
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Save thousands of dollars thanks to flexible terms and low fixed or variable rates.
Simple online application and access to live customer support 7 days a week.
No application or origination fees. No pre-payment penalties.
SoFi members get financial advice and more—all at no cost.
$47 billion+
in refinanced student loans
550,000+
members have refinanced their student loans
98%
of surveyed members would recommend SoFi to a friend 3
We’ll let you know if you’re qualified before you complete the full application.
Choose between saving on your monthly payment or saving on total student loan interest.
Upload screenshots of your information, then sign your paperwork electronically. Then we’ll pay off your servicer(s) and issue you one new student loan.
View my rate
Refinancing is a great solution for working graduates who have high-interest, unsubsidized Direct Loans, Graduate PLUS loans, and/or private loans. Federal loans do carry some special benefits, for example, public service forgiveness and economic hardship programs, that may not be accessible to you after you refinance. Check out this blog post that provide more information: When to Consolidate Federal and Private Loans by Refinancing. Or, call us for a free consultation about your particular situation.
Can I refinance both federal and private student loans?
Yes, SoFi will consolidate all qualified education loans.
Am I a good candidate to refinance my student loans with SoFi?
SoFi aims to revolutionize financial services—ultimately improving the system for everyone. Today, we’re able to offer significant savings and flexibility to US citizens or permanent residents who have graduated from a selection of Title IV accredited university or graduate programs, are employed, has a sufficient income from other sources, or hold a job offer with a start date within 90 days, have a responsible financial history, and a strong monthly cash flow.
Student loan consolidation is when you combine multiple loans into one single loan. Student loan refinancing, on the other hand, is when you get a new loan at a new interest rate and/or a new term. You can refinance both federal and private loans. Learn more here.
What’s the difference between fixed and variable rate loans?
Fixed rate loans are loans that have an interest rate that does not change over the life of a loan, which means you pay the same amount each month. It also means you know with certainty the total interest that you’ll pay over the life of the loan. Fixed rate is a general term that can apply to different types of loans with a variety of uses, including student loans, mortgages, auto loans, and unsecured personal loans.
Variable rate loans are loans that have an interest rate that will fluctuate over time in line with prevailing interest rates. They generally have lower starting interest rates than fixed rate loans, but the interest rate and payment amounts can change over time. Sometimes they are also known as floating rate loans.
Learn more at https://www.sofi.com/fixed-vs-variable-rate-loans/
Where can I find more information about student loans in general?
Deciding how to best handle your student loan obligations can be an intimidating process. That’s why we’ve put together our Student Loan Help Center to give you guidance on payments, refinancing, budgeting, and common terminology so you can feel more confident in your journey to becoming debt free.
See all FAQs
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SoFi’s Head of Investment Strategy looks at the recent market rally and explains why some of the indicators of strength could still be head fakes.
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The Global In/Out of the Money (GIOM) classifies addresses based on if they are profiting (in the money), breaking even (at the money) or losing money (out of the money) on their positions at current price. IntoTheBlock calculates an address’ average cost based on the weighted average price at which it bought or received the tokens currently held by the address. IntoTheBlock categorizes addresses and tokens accordingly to obtain an aggregate view of profitability for a particular crypto asset.
The GIOM aggregates all addresses’ positions into clusters based on the number of addresses (or volume) that had previously bought at a certain price range. The larger these clusters, the more support/resistance is expected around these price levels.
The Volatility indicator measures the 30- or 60-day variations in price for a particular crypto-asset. This is calculated as the standard deviation of the period’s daily returns and annualizing the variation. Since crypto markets are 24/7 the annualization formula takes into account 365 days (as opposed to the 252 trading days generally available in stock markets).
The Total Addresses indicator monitors three key metrics:
Total Addresses: All addresses ever created one point have held a particular crypto-asset, including those that still do.
Total with Balance (Holders): All addresses that currently hold this particular crypto-asset.
Total Zero Balance: All the addresses that used to hold a crypto-asset but no longer do.
Put simply Total Addresses = Total with Balance + Total Zero Balance
The IntoTheBlock team has Total with Balance selected as default as it is more indicative of a crypto-asset’s on-chain ‘health’.
As the name suggests, this indicator displays the number of transactions for a particular crypto-asset on a given day. This data is based on what is shown in the blockchain, therefore transactions taken within exchanges are not recorded unless they occur on-chain.
For smart contract protocols such as Ethereum and Ontology, the number of transactions includes transactions that take place in tokens built on top of them. For example, if there are 200 LINK transactions, Ethereum will also record those 200 transactions as ETH is required to transfer ERC-20 tokens on-chain.
The Transactions Volume indicator measures the aggregate volume of transactions recorded on-chain. This version of the indicator tracks the volume in crypto terms (i.e. BTC instead USD). You can use the indicator in USD terms here.
Another version of this indicator, Large Transactions Volume, measures only the volume of transactions over $100,000, which is indicative of whale/institutional activity.
Since blockchains run on a public distributed ledger and all data is of public access. Numerous characteristics regarding addresses can be extracted. IntoTheBlock gathers addresses depending on the time they have held the specific asset. These addresses are divided the following way:
Hodlers – addresses that have held the asset over a period of one year.
Cruisers – addresses with holding periods between one and twelve months.
Traders – the group that have held the asset for less than one month.
In the same way that IntoThBlock classifies the number of addresses by their holding period, this indicator takes it a step further by adding the value that each specific group has represented over time. The indicator shows the value of coins relative to each individual group (Hodlers, Cruisers and Traders) since its historic inception. This helps to keep track of the trading behaviors of each different group.
IntoTheBlock has built a proprietary machine learning powered classifier to identify addresses of top centralized exchanges, including their deposit addresses, withdrawal addresses, hot wallets and cold wallets. With this classifier, IntoTheBlock can measure the net volume flowing into exchanges. Through the following formula IntoTheBlock calculates Net Flows:
Net Flows = Inflow Volume – Outflow Volume
The Twitter Sentiment indicator uses IntoTheBlock’s proprietary classification machine learning algorithm to infer the connotation of messages discussing a particular crypto-asset and its ticker. These are plotted over time to track market sentiment and the level of activity in relation to a crypto-asset in Twitter.
The Search Trends indicator uses Google’s API to obtain the relative rank of searches performed by Google users globally for a particular crypto-asset. The relative ranks range from 0 to 100, where 0 is the lowest period of search volume and 100 indicates the peak number of searches.
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