Parent PLUS Loan Refinancing

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

Fixed rates start at 3.250% APR and variable rates start
as low as 2.540% when you enroll in AutoPay.12

Find My Rate CONFIRMATION #

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 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?

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 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 2.540% APR to 7.130% when you enroll in AutoPay.12

Fixed Rate

Rates available from 3.250% APR to 6.750% 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

Trust And Security

30 Billion
in funded loans
500,000
members in our growing community.
256-Bit SSL
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

Stanford

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

Stanford

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”
View All Press

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 in an eligible state and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. 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. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)

✝ 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.

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