Refinance Student Loans

Make your student debt
go away faster.

Fixed rates start at 3.250% APR and variable rates start
as low as 2.750% when you enroll in AutoPay1.

Checking your rate will not affect your credit score.


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.

Rates and Terms

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.

Variable Rate

Rates start from 2.750% APR to
6.840% when you enroll in AutoPay.1

Fixed Rate

Rates available from 3.250% APR to
7.500% when you enroll in AutoPay.1

Find My Rate Learn More

Why Refinance Student Loans with Sofi?


Low fixed and variable rates. No application or origination fees. Average member savings: $22,3592.

Federal + Private

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.

Find My Rate

Refinance student loans in three easy steps

If you have questions, our friendly customer support team is standing by to help you through the process—seven days a week.

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.

Upload & Sign

Easily upload documents via screenshots or smartphone photos, then sign your paperwork electronically.

Get Started

Trust And Security

25 Billion
in funded loans

members in our growing community.

256-Bit SSL
encryption to keep your information safe.
SoFi is regulated by the Consumer
Financial Protection Bureau

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

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Student Loan Calculator

Learn how you could lower your monthly payments and save on total interest when you refinance student loans with SoFi.

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