Reduce the cost of Parent PLUS loans

Fixed rates start at 3.999% and variable rates start
as low as 2.480% APR, when you enroll in AutoPay12.

Find My Rate

Checking your rate will not affect your credit score.

No More One-Size-Fits-All

Apply through this page to get your $400 bonus when you refinance.

If you’re still paying off Parent PLUS loans, you could be overpaying. Save money and simplify your payments by consolidating Federal Parent PLUS loans with SoFi. No application or origination fees. No pre-payment penalties. Flexible rates. No wonder we’ve been trusted to fund over $30 billion in loans to date.

Why SoFi?

Serious
Savings

Refinance and consolidate Federal Parent PLUS loans. Easily.

No Hidden Fees.
No Catch.

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

Exclusive
Rates

Get a 0.125% rate discount✝✝ on an additional SoFi loan—just for being a member.

Peace
of Mind

Savings for you while your child focuses on education and career.

Find My Rate

Rates and Terms

We offer a range of options so you can optimize your monthly payments, lifetime cost, or speed of pay off. Choose the plan that fits your needs.

Variable Rate

Rates start from 2.480% APR to 7.154% when you enroll in AutoPay.12

Fixed Rate

Rates available from 3.999% APR to 7.434% when you enroll in AutoPay.12

Find My Rate Learn More

So Easy

Get refinanced in as little as 15 minutes.

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. Choose a plan that best fits your needs.

Upload Documents & Sign

Upload documents to verify your current loans and identity. Screen shots or smart phone photos are acceptable. Sign your paperwork electronically.

Get Started
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