Reduce the cost of your student loans

Fixed rates start at 3.50% and variable rates start
as low as 1.90% APR (with AutoPay)1.

Find My Rate

We’ve got your back.

Become a SoFi Member to refinance and consolidate your federal and private student loans – an average savings of $14K2. If you lose your job, we’ll pause your payments and help you find a new job. When you’re ready for a house, we’ll give you a discount on a SoFi mortgage. We’re here when you need us. It’s no wonder we’ve been trusted to fund over $3 billion in loans to date.

Rates and Terms

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.

Variable Rate

Rates start from 1.90% APR to
5.19% APR (with AutoPay).1

Fixed Rate

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

Find My Rate Learn More

Why SoFi?

Federal + Private
Student Loans

Refinance and consolidate federal and private loans. Easily. Members save an average of $14K2.


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.

Find My Rate

So Easy

Get refinanced in 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. Choose a plan that best fits your needs.

Upload Documents & Sign

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


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


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
“A new financial model is emerging...One of the companies at the forefront of it is SoFi”
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