Make your student debt
go away faster.

Fixed rates start at 3.350% APR and variable rates start
as low as 2.795% APR, when you enroll in AutoPay1.

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*.

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.

Rates and Terms

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.

Variable Rate

Rates start from 2.795% APR to
6.720% when you enroll in AutoPay.1

Fixed Rate

Rates available from 3.350% APR to
6.740% when you enroll in AutoPay.1

Find My Rate Learn More

Why Refinance Student Loans with Sofi?

Serious
Savings

Low fixed and variable rates. No application or origination fees. Average member savings: $22,3592.

Federal + Private

SoFi is one of few lenders that can consolidate and refinance both federal and private loans (in a snap).

Exclusive
Rates

Get a 0.125% rate discount✝✝ on an additional SoFi loan—just for being a member.

Unemployment
Protection3

If the unexpected happens, we’ll temporarily pause your loan payments and help you in your job search.

Career
Support

Our coaches will help you advance in your career, build a personal brand, negotiate your salary, and more.

Wealth
Advisors

Finances and investments can be confusing. Our Wealth advisors are here to help you make sense of it all.

Find My Rate

Three Easy Steps to Student Loan Refinancing

If you have questions, our friendly customer support team is standing by to help you through the process—seven days a week.

Online Pre-Approval

Our quick pre-approval process lets you know if you qualify before you complete the full application.

Select a Loan

Compare the plans available to you with specific payments, rates, and terms.

Upload & Sign

Easily upload documents via screenshots or smartphone photos, then sign your paperwork electronically.

Get Started

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 Finance Lender 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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