Refinance Student Loans

Make your student debt
go away faster.

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

Find My Rate CONFIRMATION #

Checking your rate will not affect your credit score✝.

LEADING STUDENT LOAN REFINANCING PROVIDER*

We've refinanced the most student debt in the U.S., so saving you money on student loans is kind of our thing. In fact, members who refinance with us save an average of $2882f a month—and $22,3592 total. SoFi is one of few lenders that handles federal and private student loan consolidation. Plus, as a member, you’ll have access to a whole lot of perks: career strategy services, customer support seven days a week, invites to SoFi events, and more. Get started by checking your rates online in just two minutes.

Rates and Terms

No origination fees in most states, no prepayment penalties. Whether you’re looking to refinance federal student loans, pay off loans sooner, or get a lower monthly payment (maybe all three), 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

Find My Rate Learn More

Why Refinance Student Loans with Sofi?

Serious
Savings

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).

Exclusive
Rates

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

Unemployment
Protection3

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

Career
Support

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

Wealth
Advisors

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

Find My Rate

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.

Get Started

Trust And Security

20 Billion
in funded loans
390,000
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

Common Questions

See all FAQs

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View Our Blog

Student Loan Calculator

Learn how you could lower your monthly payments and save on total interest when you refinance student loans with SoFi.

Calculate Savings
“A new financial model is emerging...One of the companies at the forefront of it is SoFi”
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If you got a letter stating that you're pre-selected for a SoFi loan, you're in the right place. Get started by entering your confirmation number below.

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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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