Refinance Student Loans

Save thousands on your student loans.

Find My Rate

Checking your rate will not affect your credit score✝.

We’ve got your back.

Apply through this page to get your $300 bonus when you refinance.‡

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 $30 billion in loans to date.

Have Parent PLUS loans? Learn more about Parent PLUS refinancing.

Pick the loan that works for you.

Save on your student loans by choosing between a range of rates and terms. No prepayment penalties and no hidden fees. Ever.

Fixed Rate

Rates available from 3.90% APR to 7.98% APR when you enroll in AutoPay.1

Variable Rate

Rates start from 2.47% APR to 6.99% APR when you enroll in AutoPay.1

Find My Rate Learn More

How it works:

The student loan refinancing process is fast, easy, and can be done entirely online.

  • New Term

    APR

    Illustrative Lifetime
    Savings

  • 5-year

    4.03%

    $13,680

  • 7-year

    4.57%

    $16,963

  • 10-year

    4.98%

    $15,511

SoFi offers a range of terms and rates that affect lifetime savings—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.✝

SoFi is the leading student loan
refinancing provider.

$18 billion in refinanced student loans
250,000 + members who've refinanced
98% would recommend SoFi to a friend3.

Why refinance
with SoFi?

Serious savings

Save thousands of dollars thanks to low fixed and variable rates.

Fast, easy, and all online

Simple online application and access to live customer support 7 days a week.

No hidden fees–No catch

No application or origination fees. No pre-payment penalties.

650+ credit score

Qualified borrowers with scores of 650 or higher can be approved for refinancing. Learn More.

Student Loans Help Center

From success stories to calculators, our tools and resources will help answer all of your burning student loan questions.

Learn more

Debt Navigator

This personalized tool provides valuable information to uncover repayment options and can help you make the student loan decision that's right for you.

Learn more

Get started
in minutes.

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

Find my rate

See what SoFi can do for you and your finances.

Select a product below and get your rate in just minutes.

Student Loan
Refinancing

Personal
Loans

Mortgage
Loans

Other

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 permanent resident in an eligible state and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. 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, a responsible financial history, years of experience, income and 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 such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (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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