NOTICE: Recent legislative changes have suspended all federal student loan payments and waived interest charges on federally held loans until 8/31/22. 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 future benefits applicable to federally held loans.

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 other eligible status, be residing in the U.S., and and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. 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, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and may be subject to other restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. SoFi student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891. (www.nmlsconsumeraccess.org)

† 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 and may affect your credit.

* Calculated savings examples are only estimates based on the following hypothetical assumptions: The minimum savings calculation assumes the borrower is refinancing $75,000 of student loans for 5 years. The maximum savings calculation assumes the borrower is refinancing $75,000 of student loans for 15 years. Both examples assume our rates increase 1% in the next year. Any payments and savings may vary and will depend on the actual loan amounts and APR for which the borrower is approved.

*Student Loan Refi $500 Welcome Bonus: Terms and conditions apply. Offer is subject to lender approval. The offer is only open to new Student Loan Refinance borrowers. To receive the offer you must: (1) register and apply through the link on this page by 11:59pm ET 6/1/22 (2) complete a student loan refinance application with SoFi by 6/1/22; (3) fund your loan; (4) have a SoFi Money account or have or apply for a SoFi Checking and Savings account within 60 days of starting your student loan refinance application to receive the bonus; (5) meet SoFi’s underwriting criteria. Once conditions are met and the loan has been disbursed, your welcome bonus will be deposited into your SoFi Checking and Savings account or existing SoFi Money account within 30 calendar days. If you do not qualify for the SoFi Checking and Savings account, SoFi will offer other payment options. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year will be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time with or without notice.

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