Student Loan Refinance – Affiliates (ChangEd)
Refinance Student Loans
Save thousands
on your student loans.
Checking your rate will not affect your credit score✝.
Welcome ChangEd Member
SoFi is a leading student loan refinancing provider.
in refinanced student loans
members who’ve refinanced
Pick the loan that works for you.
Save on your student loans by choosing between a range of rates and terms. No prepayment penalties and no hidden fees. Ever.
Investing in people who invest in themselves.
Accelerate your
career
Take your career to the next level with expert guidance from SoFi Career Coaches.
Experience the
SoFi community
Our member events range from dinners and happy hours to panel sessions and networking opportunities.
Get exclusive member
rate discounts
Get a 0.125% rate discount on additional SoFi loans—just for being a member.✝✝
How it works:
The student loan refinancing process is fast, easy, and can be done entirely online.
New Term
APR
5-year
4.03%
7-year
4.57%
10-year
4.98%
View Payment Examples
SoFi offers a range of terms and rates—so yours are going to look different from this illustrative chart, which is just something designed to show you what the SoFi app looks like.
Get pre-approved online in just two minutes.
We’ll let you know if you’re qualified before you finish the full application.
Select your rate and term.
Choose between saving on your monthly payment or saving on total student loan interest.
Verify your info and sign.
Upload screenshots of your information, then sign your paperwork electronically.
Switch to one low-rate monthly payment.
We pay off your servicer(s) and issue you one new student loan.
It takes only two minutes and
won’t affect your credit score.✝
SoFi in the news
Get started
in minutes.
Speed matters. Which is why you can check loan rates or start investing online—in just minutes.
Traveling on a Budget to Support Your College Basketball Team this March
It’s down to the last few seconds. The star point guard steals the ball and dribbles his way down the court. Swish—the buzzer sounds. The game is over and your team is headed to the big tournament.
Every March the 68 teams compete in a frenzy of competition in the big basketball tournament . It’s competition at its best, the fans are loud, the rivalries are tense, and the games are exciting. It’s no wonder that thousands of fans travel in order to show their support for their favorite teams.
The excitement kicks off March 17th on selection Sunday . While supporting your alma mater or favorite college basketball team can be thrilling, it can also get expensive.
Read more2026 Home Loans Education Portal
2026 Home Loan Help Center
Buying a home?
We can help.
Deciding to purchase a home is a huge step.
That’s why we’ve put together a hub dedicated to helping you
navigate the home buying process. Explore our resources, guides, and tips.
Let’s start with the home buying basics.
These introductory articles can help with questions around home loans, escrow, the first-time home buyer process, and more.
Understanding home loan terminology
Use these articles and resources to get a better understanding of what some common home loan terminology means.
Is there a new home in your future?
These introductory articles can help with questions around home loans, escrow, the first-time home buyer process, and more.
Calculators to help navigate the home-buying process.
It’s all about the numbers. Try these calculators to help in your decision making process.
Mortgage Calculator
See how much you can save on your mortgage with different down payments.
Home Renovation Cost Calculator
Find out how much it would cost to update your home.
Home Affordability Calculator
Get an estimate of the total monthly house payment you can afford.
Buying a home? Gain insights on local housing market trends
Keep up with the housing market Joneses with the latest real estate market trends. Choose a city to discover everything from average home prices to market demographics.
Don’t forget about cost of living when buying a home.
When you factor in the cost of living during the home buying process, it may reveal great places to live that you’d never consider.
Check out our cost of living guide that breaks down the average cost of living for the most popular states in the country.
Use these extra tips to navigate the complexities of home buying.
Are you buying a home for the first time? These tips can help smooth over the purchase process.
Looking to refinance an existing mortgage?
If you want to learn more about mortgage refinancing, these articles are for you.
Get even more help with home loans.
Common questions
Choose the home loan that works for you
and see how much you could save
Read more
Home Improvement Loans (Remodelmate)
Why SoFi?
Easy Experience
No need to wait weeks for an appraisal. Get pre-qualified and receive your funds fast so you can get started right away.
No Fees
Unlike some home equity loans, there are no origination fees, no closing costs, and no costly home appraisals.
No Collateral
Without equity, it’s hard to get a HELOC on a new home. With SoFi, your home is not on the line.
Flexible Amounts
Borrow what you need—as little as $5,000 or as much as $100,000.
So Easy
Find Your Rate
Get pre-qualified online with no hidden fees and no obligation.
Select Your Loan & Apply
Choose the loan that works for you and complete your application.
Sign electronically and receive your funds
Sign your documents and funds are deposited to your account.
Compare Rates and Terms
The following examples depict the APR, monthly payment and total payments during the life of a $30,000 personal loan. All personal loan APR rates below are shown with the Autopay Discount (0.25%)5. Your actual interest rate may be different than the rates in these examples and will be based on term of loan, your financial history and other factors. State restrictions may apply.
Payment Examples
Fixed Rate Loans
| Term | Origination Fee |
Rate (APR) |
No. of Payments |
Monthly Payment |
Total Payments |
|---|---|---|---|---|---|
| 2 Years | None | 7.74% – 35.49% | 24 | $1,353.26 – $1,763.32 | $32,478.34 – $42,319.74 |
| 3 Years | None | 7.74% – 35.49% | 36 | $936.50 – $1,365.41 | $33,713.89 – $49,154.90 |
| 4 Years | None | 8.23% – 35.49% | 48 | $735.63 – $1,178.04 | $35,310.28 – $56,545.80 |
| 5 Years | None | 9.50% – 35.49% | 60 | $630.06 – $1,074.14 | $37,803.35 – $64,448.26 |
| 6 Years | None | 10.56% – 35.49% | 72 | $564.28 – $1,011.27 | $40,628.47 – $72,811.45 |
| 7 Years | None | 11.90% – 35.49% | 84 | $527.98 – $971.20 | $44,350.23 – $81,581.10 |
Questions? Call us for a free consultation at 855-456-7634
You’ve seen the commercials. The ads pop up on websites when you’re online. Maybe your friends and family are doing it. As more Americans pursue degrees in higher education, more Americans are turning to online classes. But what are the benefits of online learning?