Refinance Student Loans

Save thousands on your student loans.

Find My Rate

Checking your rate will not affect your credit score✝︎.


We’ve refinanced $30 billion+ in student debt, so saving you money on student loans is kind of our thing. SoFi is one of few lenders that handles federal and private student loan consolidation. Plus, as a member, you’ll have access to a whole lot of perks: career strategy services, customer support seven days a week, invites to SoFi events, and more. Get started by checking your rates online in just two minutes.

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 5.24% APR to 9.99% APR when you enroll in AutoPay.1

Variable Rate

Rates start from 6.24% APR to 9.99% APR when you enroll in AutoPay.1

How it works:

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

Mobile student loan refinancing process

View Payment Examples
SoFi offers a range of terms and rates—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 a leading student loan
refinancing provider.

$41 billion+ in refinanced student loans
475,000+ members who've refinanced
98% would recommend SoFi to a friend3.

Why refinance
with SoFi?

Get started
in minutes.

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

Find my rate
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