Make your student debt
go away faster.

Fixed rates start at 3.350% and variable rates start
as low as 2.815% APR, when you enroll in AutoPay1.

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Checking your rate will not affect your credit score.

Welcome Read To Lead Podcast Listeners

Apply through this page to get your $200 bonus when you refinance.

Become a SoFi Member to refinance and consolidate your federal and private student loans – an average savings of $22,3592. If you lose your job, we’ll pause your payments and help you find a new job. When you’re ready for a house, we’ll give you a discount on a SoFi mortgage. We’re here when you need us. It’s no wonder we’ve been trusted to fund over $25 billion in loans to date.

Rates and Terms

No origination fees in most states, no prepayment penalties. Whether you’re looking to pay off loans sooner or get a lower monthly payment (maybe even both), we offer a range of rates and terms. Choose what works for you.

Variable Rate

Rates start from 2.815% APR to
6.740% when you enroll in AutoPay.1

Fixed Rate

Rates available from 3.350% APR to
7.125% when you enroll in AutoPay.1

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Why Refinance Student Loans with Sofi?


Low fixed and variable rates. No application or origination fees. Average member savings: $22,3592.

Federal + Private

SoFi is one of few lenders that can consolidate and refinance both federal and private loans (in a snap).


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


If the unexpected happens, we’ll temporarily pause your loan payments and help you in your job search.


Our coaches will help you advance in your career, build a personal brand, negotiate your salary, and more.


Finances and investments can be confusing. Our Wealth advisors are here to help you make sense of it all.

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Refinance student loans in three easy steps

If you have questions, our friendly customer support team is standing by to help you through the process—seven days a week.

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.

Upload & Sign

Easily upload documents via screenshots or smartphone photos, then sign your paperwork electronically.

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