Should I refinance my federal student loan?

We are recommending that anyone with federal student loan debt carefully review your current and potential future benefits on your federal loans before refinancing. When you refinance your loans, you waive any current and potential future benefits of your federal loans, and replace those with a SoFi Student Loan Refinance.

Ultimately, the decision to refinance a federal student loan right now versus taking advantage of federal benefits is a personal decision. This decision could be influenced by future interest rates, in which we have no way of predicting. For example, refinancing right now might make sense if interest rates for refinancing are higher in the future or might not if they are lower in the future. Please review all options to properly assess whether refinancing is right for you.