Parent PLUS Loan Refinancing

Having kids
was the hard part.
Finding a better loan
is the easy part.

Fixed rates start at 3.890% APR and variable rates start
as low as 2.500% when you enroll in AutoPay.12

Checking your rate will not affect your credit score.

No More One-Size-Fits-All

If you’re still paying off Parent PLUS loans, you could be overpaying. Save money and simplify your payments by consolidating Federal Parent PLUS and private qualified education 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 consolidate parent plus loans with SoFi?


Refinance and consolidate Federal Parent PLUS and private qualified education loans. Easily.

No Hidden Fees.
No Catch.

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


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

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 payoff speed. There are no origination fees in most states or prepayment penalties. Choose the plan that fits your needs.

Variable Rate

Rates start from 2.500% APR to 7.115% when you enroll in AutoPay.12

Fixed Rate

Rates available from 3.890% APR to 7.624% when you enroll in AutoPay.12

Find My Rate Learn More

So Easy

Get refinanced in as little as 15 minutes.

Online Pre-Qualification

Our quick pre-qualification 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

Trust And Security

30 Billion
in funded loans

members in our growing community.

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encryption to keep your information safe.
SoFi is regulated by the Consumer
Financial Protection Bureau

Hear From Our Members

With benefits like career counseling, unemployment protection and entrepreneur programs, our members have a lot to say.

SoFi Member
“Making it happen was simple. I’ve been a customer for almost two years and it’s been great.“

Chris Martinez


Student Loan Refinancing
SoFi Member
“I was looking for the lowest rates I could find without a cosigner. SoFi was by far the best.“

Chiara McPhee


Student Loan Refinancing
SoFi Member
“I know I’m making progress and [SoFi has] given me the freedom to invest that money in other assets.“

Jared Pool

University of the Pacific

Student Loan Refinancing
View Member Stories
“A new financial model is emerging...One of the companies at the forefront of it is SoFi”
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