Refinance Student Loans

Make your
student debt
go away faster.

Find my rate

Checking your rate will not
affect your credit score✝.

Fixed rates with
AutoPay start at 4.24% APR1


Variable rates with
AutoPay start at 5.99% APR1

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.

Access SoFi Wealth,
LLC advisors

Our licensed SoFi Wealth, LLC advisors are here to help you manage your money and start investing. No trading, transfer, custodian, or commission fees.

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-qualified 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.

Find my rate

It takes only two minutes and
won’t affect your credit score.✝

Get started
in minutes.

Speed matters. Which is why you can check loan rates—in just minutes.

Find my rate

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, NMLS # 696891. (www.nmlsconsumeraccess.org)

✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

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