Make your student debt
go away faster.

Borrowers who refinance their student loans can save up to $30,0692 total. Which is huge. 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. In fact we’ve been there to help our members in funding over $25 billion in loans to date.

Fixed rates start at (with Autopay)1
3.250% APR
Variables rates start at (with Autopay)1
2.580% APR
No origination fees, no prepayment penalties.
Find My Rate

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. Average member savings: $30,0692.

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.

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

14 Billion
in funded loans

444,000
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

Stanford

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

Stanford

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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View Our Blog

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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