Apply through this page to get your $300 bonus when you refinance.*
SoFi members who refinance their student loans save an average of $18,9362. Which is huge. Get started by checking your rates in just two minutes. Aside from great rates and an easy experience, we also offer awesome benefits—like unemployment protection and career support. We’re here when you need us. In fact, we’ve been there to help our members in funding over $9 billion in loans to date.
We offer a range of options so you can optimize your monthly payments, lifetime cost, or payoff speed. There are no origination fees or prepayment penalties. Choose the plan that fits your needs.
Rates start from 2.14% APR to
5.94% APR (with AutoPay).1
Rates available from 3.50% APR to
7.74% APR (with AutoPay).1
Refinance and consolidate federal and private loans. Easily. Members save an average of $18,9362.
If you lose your job, we’ll temporarily pause your payments and help you find a new job.
Simple online application and access to live customer support 7 days a week.
Career support includes interview coaching, resume review, and negotiating tactics.
Get refinanced in as little as 15 minutes.
Our quick pre-approval process lets you know if you qualify before you complete the full application.
Compare the plans available to you with specific payments, rates, and terms. Choose a plan that best fits your needs.
Upload documents to verify your current loans and identity. Screen shots or smart phone photos are acceptable. Sign your paperwork electronically.