Reduce the cost of your student loans

Save when you consolidate and refinance student loans with SoFi

Find My Rate

Our members save $11,7832, on average, when they refinance student loans with SoFi.

You got a degree and a great job. If you’re still paying the one-size-fits-all student rate, you could be overpaying. Save money and simplify your payments by consolidating and refinancing your federal and private loans with SoFi. We are the largest provider of student loan refinancing with over $1.75B+ in loans funded to date.

Unparalleled Savings

Fixed rates start at 3.50% and variable rates start as low as 1.93% APR (with AutoPay)1.

No Fees. No Catch.

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

Federal + Private Student Loans

Refinance and consolidate both federal and private student loans.

Unemployment Protection3

If you lose your job, we’ll temporarily pause your payments and help you find a new job.

Easy Experience

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

Career Support

Complimentary career support such as interview coaching, resume review, and negotiating tactics.

Rates and Terms

We offer a range of options so you can optimize your monthly payments, lifetime cost, or speed of pay off.
Choose the plan that fits your needs.

Variable Rate

Rates start from 1.93% APR to 5.18% APR (with AutoPay).1

Fixed Rate

Rates range from 3.50% APR to 7.24% APR (with AutoPay).1

See refinance rates and terms

How We Do It

Our unique approach to underwriting takes a number of dimensions into consideration, including graduation
from an accredited university, professional accomplishments, and income.

Learn More





Simple Process: Get refinanced in as little as 15 minutes


(3 Minutes)

Our quick pre-approval process lets you know if you qualify before you complete the full application.

Select a

(2 Minutes)

Compare the plans available to you with specific payments, rates, and terms. Choose a plan that best fits your needs.


(5 Minutes)

Upload documents to verify your current loans and your identity. Screen shots or smart phone photos/scans are acceptable.

Acceptance Packet

(2 Minutes)

Review your documents and electronically sign your documents so you can start saving.

Set Up

(2 Minutes)

Set up automatic payments to save an extra .25% on your rate and never miss a payment.

Ready to start saving?

Find My Rate
Barry Malinowsky, Jr.

With SoFi, I was able to significantly lower my rate, saving me thousands of dollars over the life of the loan. Plus, now I belong to a support group of borrowers and lenders, turning debt that was once only a liability into an asset of sorts. I’m grateful that a friend told me about SoFi.

Barry Malinowsky, Jr. / SoFi Student Loan Refinance Borrower


Call us for a loan consultation at 855-456-SOFI
or explore our Frequently Asked Questions

Loans Funded
Average Savings per Borrower