Products available from SoFi on the Dashboard may vary depending on your employer preferences.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY TERMS AND DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME. To qualify for refinancing, you must fulfill all SoFi eligibility requirements. SoFi only refinances student loans totaling at least $5,000 that you used to fund tuition at an eligible Title IV accredited school where you were enrolled at least 50% time. Loans currently being used to fund education for actively enrolled students are not eligible for refinancing. For more detail, see SoFi.com/eligibility. Lowest rates reserved for the most creditworthy borrowers. You may pay more interest over the life of the loan if you refinance.

Notice: SoFi Refinance Student Loans are private loans. When you refinance federal loans with a SoFi loan, YOU FORFEIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE. Information current as of 4/10/25 and subject to change.

Fixed rates range from 4.49% APR to 9.99% APR with 0.25% autopay discount and 0.125% SoFi Plus discount. Variable rates range from 5.99% APR to 9.99% APR with 0.25% autopay discount and 0.125% SoFi Plus discount. Unless required to be lower to comply with applicable law, Variable Interest rates will never exceed 13.95% (the maximum rate for these loans). SoFi rate ranges are current as of 4/10/25 and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. You may pay more interest over the life of the loan if you refinance with an extended term.

Autopay Discount: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will be removed during periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.

SoFi Plus Discount: To be eligible to receive an additional (0.125%) interest rate reduction on your Student Loan Refinancing (your “Loan”) for enrolling in SoFi Plus, you must enroll in SoFi Plus within 30 days of Loan funding, either by receiving a Direct Deposit to your SoFi Checking and Savings account, or by paying the SoFi Plus Subscription Fee. Once eligible, you will receive this discount during periods in which you have received Direct Deposit to your SoFi Checking and Savings Account, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount lowers your interest rate but does not change the amount of your regular monthly payment. This discount will be removed during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid the SoFi Plus Subscription Fee. SoFi reserves the right to change or terminate this interest rate reduction offer for unenrolled participants at any time without notice. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to be eligible for Loan approval.

If you reach SoFi through your employer or your employer’s benefits page, the following terms apply to you. If you reach SoFi through a link on your employer’s site, these terms apply to your use of SoFi.

You may be using the SoFi site because your employer offers links to the SoFi site. In order to use the SoFi site, you must agree to and accept this entire Agreement. If you do not wish to accept SoFi’s Terms of Use Agreement, please inform your employer to remove you from the list of participating employees immediately and do not use the SoFi site.

By making this SoFi site available to you, SoFi is NOT a fiduciary to you and SoFi is not providing any retirement benefits or any other employment benefits. In all cases, SoFi is offering you services and products as customers of SoFi.

^*Employer Contributions: Many employers engage SoFi to assist in the delivery of an Employer Contribution to their Employees. If you use SoFi to receive your Employer’s contributions, you agree to the following terms:

1. You are responsible for designating and confirming your contribution amounts through your employer directly and through the SoFi Site. SoFi is not responsible for verifying you receive the correct contribution amount.

2. The contribution is made by your employer to you. SoFi’s role is only to assist in connecting your selected external account to receive the contribution.

3. When you use SoFi to connect an external account, including a student loan account and any 529/College Savings Plan, you agree to the terms set forth above in Connected Accounts.

4. You must establish and maintain your student loan account and any college savings plan. SoFi does not establish, support, maintain, or monitor these accounts in any way. You are required to, and you agree to, regularly check these accounts to ensure contributions (your contributions and your employer’s contributions, if any) are correctly received.

5. You must notify SoFi or your employer immediately if you notice or have reason to believe funds are not delivered correctly to your external accounts.

6. You authorize SoFi to receive information about you from your employer as necessary in order to facilitate your participation in the employer’s program.

Student Loan Payment Information: Certain employers engage SoFi to assist employees identifying the amount of payments made to a student loan account so that the employer may use this information in its benefits plan. If your employer requests that you use SoFi for this purpose, you agree to the following terms:

• You will be asked to connect your loan account so that SoFi may obtain information about your payments to share with your employer.
• When you use SoFi to connect an external loan account, you agree to the terms set forth above in Connected Accounts.
• You give SoFi permission to share with your employer information from the account including the amounts and timing of your payments to the account.
• If you connect an external account for purposes of sharing student loan information with your employer, you attest and certify the connected loan is a qualified student loan account used for educational purposes.

SoFi at Work Emergency Vaults are part of SoFi Checking and Savings. SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. Equal Housing Lender.

SoFi does not offer 529 plans, the SoFi platform is serving as a comparative tool only.

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store any user data, loss of user data, communications, or personalization settings. You must confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

Advisory tools and services are offered through SoFi Wealth LLC, an SEC-registered investment adviser. 234 1st Street San Francisco, CA 94105.

SoFi doesn’t provide tax or legal advice. Individual circumstances are unique. Consult with a qualified tax advisor or attorney about your specific needs.

SoFi Student Loan Refinance Loans, Personal Loans, Private Student Loans, and Mortgage Loans are originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org). The 529 Savings and Selection Tool is provided by SoFi Wealth LLC, an SEC-registered investment adviser. For additional product-specific legal and licensing information, see SoFi.com/legal. 2750 E. Cottonwood Parkway #300 Cottonwood Heights, UT 84121.

Information as of April 2025 and is subject to change. AW25-2283250-A