SoFi is committed to fighting racism, standing in solidarity with all of our communities, providing space for open dialogue,
as well as taking action as informed allies. We are donating $1 million to organizations that empower people of color and their allies.

Refinance Student Loans

Save thousands on
your student loans.

You could save money
each month—
or pay off your loan faster.

Checking your rate will not affect your credit score.

Top rated lender

Student Loan Hero by Lending Tree

Why refinance with SoFi?

Serious savings

Save thousands of dollars thanks to flexible terms and low fixed or 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.

Access to member benefits

SoFi members get career coaching, financial advice, and more—all at no cost.

SoFi is the leading
student loan
refinancing provider.

$18 billion
in refinanced student loans

members have refinanced their student loans

of surveyed members would recommend SoFi to a friend 3

How it works

Get pre-qualified online.

We’ll let you know if you’re qualified before you complete the full application.

Select your rate and term.

Choose between saving on your monthly payment or saving on total student loan interest.

Get your new loan.

Upload screenshots of your information, then sign your paperwork electronically. Then we’ll pay off your servicer(s) and issue you one new student loan.


Find your rate in just two minutes.

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