Refinance Student Loans

Make the most
of your pharmacy degree.

Checking your rate will not affect your credit score^✝.

Find your rate in two minutes

Saving people money on their student debt is kind of our thing—that’s why student loan refinancing with SoFi means no hidden fees, low rates, and exclusive member benefits. Fixed rates start at 4.24% APR and variable rates start as low as 5.99% APR, when you enroll in AutoPay¹.

Why Refinance Student Loans with Sofi?

Serious
Savings

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).

Exclusive
Rates

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

Unemployment
Protection³

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

Career
Support

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

Leading
Insight

We’re the #1 student loan refinancing provider, with over $73 billion+ in loans refinanced.

Find My Rate

Refinance Student Loans 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.

Get Started

Testimonial

“Everyone in healthcare has student loans. It’s a burden we all share, but we had to do it to get where we wanted to be. SoFi stood out to me, they’re there for you through everything, that’s what a team is.”

— Brittany D., Clinical Pharmacist

More Resources

A Guide to Refinancing

Learn everything you need to know about the student loan refinancing process, from choosing a lender to determining whether it’s right for you.

The Antidote to Ashley’s Debt

Ashley is a pharmacist who saved on her $120,000 student loan debt with a refinance. That helped her focus more on her family and career.

Find the Right Path

Not sure whether student loan refinancing is for you, or where to start? Figure out your way forward with our interactive student loan navigator.

View On the Money

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, NMLS # 696891. (www.nmlsconsumeraccess.org)

✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

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