We are saddened by the violence and senseless racism happening against people of color across our country.
SoFi is dedicated to fighting racism and is committing $1 million to organizations that empower people of color and their allies.

Student debt doesn’t have to last forever.

We’ve helped over 250,000 people refinance their student debt. Make their story your story.

Checking your rate will not affect your credit score.

Hear from more SoFi members who have
ditched the debt life.

The savings and experiences of members herein may not be representative of the
experiences of all members. Savings are not guaranteed and will vary based on your
unique situation and other factors.

Why refinance with SoFi?

Serious savings

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 hidden fees, no catch

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.

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.

SoFi is the leading
student loan
refinancing provider.

$18 billion
in refinanced student loans

250,000+
members have refinanced their student loans

98%
of surveyed members would recommend SoFi to a friend3

Find your rate in just two minutes.

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