We've refinanced the most student debt in the U.S., so saving you money on student loans is kind of our thing. In fact, members who refinance with us save an average of $2882f a month—and $22,3592 total. SoFi is one of few lenders that handles federal and private student loan consolidation. 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.
No origination fees in most states, no prepayment penalties. Whether you’re looking to refinance federal student loans, pay off loans sooner, or get a lower monthly payment (maybe all three), we offer a range of rates and terms. Choose what works for you.
Rates start from 2.750% APR to
6.840% when you enroll in AutoPay.1
Rates available from 3.250% APR to
7.500% when you enroll in AutoPay.1
Low fixed and variable rates. No application or origination fees. Average member savings: $22,3592.
SoFi is one of few lenders that can consolidate and refinance both federal and private loans (in a snap).
Get a 0.125% rate discount✝✝ on an additional SoFi loan—just for being a member.
If the unexpected happens, we’ll temporarily pause your loan payments and help you in your job search.
Our coaches will help you advance in your career, build a personal brand, negotiate your salary, and more.
Finances and investments can be confusing. Our Wealth advisors are here to help you make sense of it all.
If you have questions, our friendly customer support team is standing by to help you through the process—seven days a week.
Our quick pre-approval process lets you know if you qualify before you complete the full application.
Compare the plans available to you with specific payments, rates, and terms.
Easily upload documents via screenshots or smartphone photos, then sign your paperwork electronically.
With benefits like career counseling, unemployment protection and entrepreneur programs, our members have a lot to say.
“Making it happen was simple. I’ve been a customer for almost two years and it’s been great.“
“I was looking for the lowest rates I could find without a cosigner. SoFi was by far the best.“
“I know I’m making progress and [SoFi has] given me the freedom to invest that money in other assets.“
University of the Pacific
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Learn how you could lower your monthly payments and save on total interest when you refinance student loans with SoFi.Calculate Savings