Whether you’re looking to lower your monthly payments or pay off your loans as soon as possible, we have flexible terms and rates to suit your plan.
Rates start from 2.25% APR to
6.54% APR (with AutoPay).1
Rates available from 2.99% APR to
6.99% APR (with AutoPay).1
Low fixed and variable rates. No application or origination fees.
We’re one of the few lenders that consolidate and refinance both federal and private loans.
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.
Work one-on-one with a SoFi Career Advisor to get personalized career support.
SoFi is the #1 student loan refinancing provider in the U.S. with over $50 billion+ in loans originated to date.**
We make it easy. If you have questions, our customer support team is here to help you through the process—seven days a week.
Our two-minute pre-approval process lets you know if you quality before starting the application.
Compare the plans available to you with specific payments, rates, and terms.
Easily upload documents via screenshots or smartphone photos, then sign electronically.
Mismanaging your student loans can seriously affect your financial future. We answered 7 FAQs to help you keep your credit score healthy.
Confused about consolidating your federal and private student loans? We’re here to explain how and when to do it, plus how much money you could potentially save.
What is consolidation, what is refinancing, and how do you know which one (if either) is right for your financial goals?