Get $100 when
you refinance your
student loans*.

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Checking your rate will not affect your credit score.

Get Started

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 $4662f a month—and $30,0692 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, no prepayment penalties. Whether you’re looking to pay off loans sooner or get a lower monthly payment (maybe even both), we offer a range of rates and terms. Choose what works for you.

Variable Rate

Rates start from 2.580% APR to
7.070% APR (with AutoPay).1

Fixed Rate

Rates available from 3.250% APR to
7.250% APR (with AutoPay).1

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Why SoFi?


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).


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.

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Get Refinanced 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.

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