Refinance Student Loans

Make your student debt
go away faster.

Fixed rates start at 3.50% APR and variable rates start
as low as 2.22% APR (with AutoPay)1.

Find My Rate

Checking your rate will not affect your credit score✝.

Find your rate in two minutes

Saving you money on student loans is kind of our thing. In fact, members who refinance with us save an average of $3162f a month—and $17,2082 total. SoFi is one of few lenders that can consolidate both federal and private student loans. 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, 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 2.22% APR to
6.02% APR (with AutoPay).1

Fixed Rate

Rates available from 3.50% APR to
7.74% APR (with 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: $17,2082.

Federal + Private

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

Incredibly
Easy

A simple application with friendly customer support via phone, email, chat, and social—seven days a week.

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

Three Easy Steps to Student Loan Refinancing

Refinancing your student loans with SoFi takes as little as 15 minutes.

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

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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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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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 of PAYE. Licensed by the Department of Business Oversight under the California Finance Lender Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)

Website authorization by the New York State Department of Financial Services is pending. Until this website is authorized, no mortgage loan applications for properties located in the state of New York will be accepted through this site.

✝ 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.

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