Student Loan Refinancing

Give your student loans
a clean bill of health.

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Checking your rate will not affect your credit score.

Rates and Terms

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.

Variable Rate

Rates start from 6.24% APR to
9.84% APR (with AutoPay).1

Fixed Rate

Rates available from 5.24% APR to
9.99% APR (with AutoPay).1

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Why Refinance Student Loans with Sofi?


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

Federal + Private

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 a leading student loan refinancing provider in the U.S. with over $30 billion+ in loans originated to date.**

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Three Easy Steps

We make it easy. If you have questions, our customer support team is here to help you through the process—seven days a week.

Online Pre-Approval

Our two-minute pre-approval process lets you know if you quality before starting the 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 electronically.

Get Started

More Resources

Student Loan Smarts
How Student Loans Affect Your Credit Score

Mismanaging your student loans can seriously affect your financial future. We answered 7 FAQs to help you keep your credit score healthy.

Student Loan Smarts
Your Guide to Consolidating Federal & Private Student Loans

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.

Student Loan Smarts
Student Loan Smarts: Refinancing vs. Consolidation

What is consolidation, what is refinancing, and how do you know which one (if either) is right for your financial goals?

View On the Money

Questions? Call us for a free consultation at

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