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State restrictions apply, see Official Rules for details.

Refinance Student Loans

Save thousands on
your student loans.

Our new lower rates
could save
you money each month.

Find my rate

Checking your rate will not affect your credit score.✝︎

NOTICE: Recent legislative changes have suspended all federal student loan payments and waived interest charges on federally held loans until 9/30/20. Please carefully consider these changes before refinancing federally held loans with SoFi, as in doing so you will no longer qualify for these changes or other current or future benefits applicable to federally held loans.

Is now the right time
to refinance?

The recently passed CARES Act provides special benefits to people with federally held student loans. Find out more about what this means for you.

Learn more.

Why SoFi?

Serious savings

Save thousands of dollars thanks to flexible terms and low fixed or variable rates.

Fast, easy, and all online

Simple online application and access to live customer support 7 days a week.

No hidden fees, no catch

No application or origination fees. No pre-payment penalties.

Access to member benefits

SoFi members get career coaching, financial advice, and more—all at no cost.

SoFi is the leading
student loan
refinancing provider.

$18 billion
in refinanced student loans

members have refinanced their student loans

of surveyed members would recommend SoFi to a friend 3

How it works

Get pre-qualified online.

We’ll let you know if you’re qualified before you complete the full application.

Select your rate and term.

Choose between saving on your monthly payment or saving on total student loan interest.

Get your new loan.

Upload screenshots of your information, then sign your paperwork electronically. Then we’ll pay off your servicer(s) and issue you one new student loan.


Find your rate in just two minutes.

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