Our new lower rates
could save
you money each month.
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.
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.
Save thousands of dollars thanks to flexible terms and low fixed or variable rates.
Simple online application and access to live customer support 7 days a week.
No application or origination fees. No pre-payment penalties.
SoFi members get career coaching, financial advice, and more—all at no cost.
$18 billion
in refinanced student loans
300,000+
members have refinanced their student loans
98%
of surveyed members would recommend SoFi to a friend 3
We’ll let you know if you’re qualified before you complete the full application.
Choose between saving on your monthly payment or saving on total student loan interest.
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.