Make your student debt go away faster.

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 $40 billion in loans to date.

Fixed rates start at (with Autopay)1
3.20% APR
Variables rates start at (with Autopay)1
2.31% APR
No origination fees, no prepayment penalties.
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Checking your rate will not affect your credit score.

Why Sofi?


Low fixed and variable rates. No application or origination fees.

Federal + Private

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


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


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


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


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

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Get Refinanced in Three Easy Steps

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.

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