Refinance Student Loans

Save thousands on your student loans.

Find My Rate

Checking your rate will not affect your credit score✝︎.

Fixed rates starting at 4.25% and variable rates
as low as 3.50% APR, when you enroll in AutoPay1.

Refinancing your student loans has never been easier. And since you were referred to us by someone who loves SoFi, we’ll sweeten the deal by offering you $100 cash once you become a member.*

Pick the loan that works for you.

Save on your student loans by choosing between a range of rates and terms. No prepayment penalties and no hidden fees. Ever.

Fixed Rate

Rates available from 4.25% APR to 8.77% APR when you enroll in AutoPay.1

Variable Rate

Rates start from 2.81% APR to 8.01% APR when you enroll in AutoPay.1

How it works:

The student loan refinancing process is fast, easy, and can be done entirely online.

  • New Term


  • 5-year


  • 7-year


  • 10-year


View Payment Examples
SoFi offers a range of terms and rates—so yours are going to look different from this illustrative chart, which is just something designed to show you what the SoFi app looks like.

Get pre-qualified online in just two minutes.

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

Select your rate and term.

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

Verify your info and sign.

Upload screenshots of your information, then sign your paperwork electronically.

Switch to one low-rate monthly payment.

We pay off your servicer(s) and issue you one new student loan.

Find my rate

It takes only two minutes and
won't affect your credit score.✝︎

SoFi is the leading student loan
refinancing provider.

$18 billion in refinanced student loans
300,000+ members who've refinanced
98% would recommend SoFi to a friend3.

Why refinance
with SoFi?

Get started
in minutes.

Speed matters. Which is why you can check loan rates—in just minutes.

Find my rate
TLS 1.2 Encrypted
Equal Housing Lender