You get $300, they get $300. Refer a friend to refi a student loan and you both get $300—it's a win-win! Refer Someone Now
State restrictions apply, see Official Rules for details.


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

Fixed rates start at 2.99% APR and variable rates start as low as 2.25% APR when you enroll in autopay.*

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Why Consolidate Parent PLUS loans with SoFi?

Serious savings

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.

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 their education and career.

Choose from low fixed or variable rates.


2.99% – 5.94% APR *

with autopay


2.25% – 5.94% APR *

with autopay

Not sure which to choose?
Learn more.→

How it works

Get pre-qualified online.

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 and sign.

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

Find your rate in just two minutes.

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