It’s easier than you think to refinance and consolidate your federal and private student loans. There’s no commitment necessary to check your personalized rates. Our members save an average of $18,9362. When you are ready, you can apply online from any computer or mobile device. We work with any bank and our customer service team is here for you 7 days a week.
We offer a range of options so you can optimize your monthly payments, lifetime cost, or payoff speed. There are no origination fees or prepayment penalties. Choose the plan that fits your needs.
Rates start from 2.14% APR to
5.94% APR (with AutoPay).1
Rates available from 3.50% APR to
7.74% APR (with AutoPay).1
Refinance and consolidate federal and private loans. Easily. Members save an average of $18,9362.
If you lose your job, we’ll temporarily pause your payments and help you find a new job.
Simple online application and access to live customer support 7 days a week.
Career support includes interview coaching, resume review, and negotiating tactics.
Get refinanced in as little as 15 minutes.
Our quick pre-approval process lets you know if you qualify before you complete the full application.
Compare the plans available to you with specific payments, rates, and terms. Choose a plan that best fits your needs.
Upload documents to verify your current loans and identity. Screen shots or smart phone photos are acceptable. Sign your paperwork electronically.
With benefits like career counseling, unemployment protection and entrepreneur programs, our members have a lot to say.
“Making it happen was simple. I’ve been a customer for almost two years and it’s been great.“
“I was looking for the lowest rates I could find without a cosigner. SoFi was by far the best.“
“I know I’m making progress and [SoFi has] given me the freedom to invest that money in other assets.“
University of the Pacific