Apply through this page to get your $300 bonus when you refinance*.
SoFi members who refinance their student loans save an average of $22,3592. 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 $20 billion in loans to date.
Have Parent PLUS loans? Learn more about Parent PLUS refinancing.
No origination fees in most states, no prepayment penalties. Whether you’re looking to pay off loans sooner or get a lower monthly payment (maybe even both), we offer a range of rates and terms. Choose what works for you.
Rates start from 2.815% APR to
6.740% when you enroll in AutoPay.1
Rates available from 3.350% APR to
6.750% when you enroll in AutoPay.1
Low fixed and variable rates. No application or origination fees. Average member savings: $22,3592.
SoFi is one of few lenders that can consolidate and refinance both federal and private loans (in a snap).
Get a 0.125% rate discount✝✝ on an additional SoFi loan—just for being a member.
If the unexpected happens, we’ll temporarily pause your loan payments and help you in your job search.
Our coaches will help you advance in your career, build a personal brand, negotiate your salary, and more.
Finances and investments can be confusing. Our Wealth advisors are here to help you make sense of it all.
If you have questions, our friendly customer support team is standing by to help you through the process—seven days a week.
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.
Easily upload documents via screenshots or smartphone photos, then sign your paperwork electronically.