Student Loan Calculator

Our student loan repayment calculator shows how much you could save when you refinance student loans with SoFi.

Calculate a
Better Rate

Compare your student loan debt information to see how you could lower monthly payments and save on total interest by reducing your student loan interest rate.

Enter Your
Current Loan

OR

Compare a
SoFi Loan

Fixed
Variable
Term : 10 Years
Interest Rate : 4.000% - 6.490%
5 7 10 15 20

Current
Monthly Payment

(estimated)
$ -

SoFi
Monthly Payment

(estimated)
$ -

Monthly
Savings

(estimated)
$ -

Lifetime
Savings

(estimated)
$ -
Find My Rate

Calculated payments and savings are only estimates. Using the free student loan payment calculator does not constitute an offer to receive a loan and will not solicit a loan offer. Any payments and savings will depend on the actual amounts for which you are approved, should you choose to apply.

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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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