Make your student debt
go away faster.

Get started by checking your rates in just two minutes. Aside from great rates and an easy experience, we also offer awesome benefits – like unemployment protection and career support. We’re here when you need us.

Fixed rates start at (with Autopay)1
3.899% APR
Variables rates start at (with Autopay)1
2.470% APR
No origination fees, no prepayment penalties.
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Checking your rate will not affect your credit score.

Why Refinance Student Loans with Sofi?

Serious
Savings

Low fixed and variable rates. No application or origination fees.

Federal + Private

SoFi is one of few lenders that can consolidate and refinance both federal and private loans (in a snap).

Exclusive
Rates

Get a 0.125% rate discount✝✝ on an additional SoFi loan—just for being a member

Unemployment
Protection3

If the unexpected happens, we’ll temporarily pause your loan payments and help you in your job search.

Career
Support

Our coaches will help you advance in your career, build a personal brand, negotiate your salary, and more.

Wealth
Advisors

Finances and investments can be confusing. Our Wealth advisors are here to help you make sense of it all.

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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

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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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