Refinancing your student loans.


Saving you money on student loans is kind of our thing. In fact, members who refinance with us save an average of $2882f a month.

Fixed rates start at (with Autopay)1
3.350% APR
Variables rates start at (with Autopay)1
2.815% APR
No origination fees, no prepayment penalties.
Find My Rate

Checking your rate will not affect your credit score.

We work with
federal and private loans.

SoFi is one of a few lenders that can consolidate and refinance both your federal and private loans.

No hidden fees + low rates
= big difference.

No origination fees, no prepayment penalties, no nonsense. Plus, we offer low fixed and variable rates.

A wealth of savings—and perks.

SoFi members have access to unemployment protection, wealth advisors, career services, and more to help them get—and stay—ahead.

SoFi has funded over $25 billion in loans to date—saving our 400,000 members over $2.05 billion 2b.

Get refinanced in 
three easy steps.

A simple application with friendly customer support via phone, email, chat, and social—seven days a week.


Get Pre-Approved Online

Find out if you qualify quickly and easily before you complete a full application.


Select a Loan

SoFi offers a range of payments, rates, and terms. Choose what works best for you.


Upload and Sign

Upload documents via your smartphone and sign your paperwork electronically.

Calculate your student loan savings.

See how much you can lower your monthly payments and save on total interest by refinancing your student loans with SoFi.

Calculate Savings

Start saving today.

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