Checking your rate will not affect your credit score.✝
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 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
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.