Refinance Student Loans

Save thousands on your student loans.

Average lifetime savings of $15,767 when members refinance to a shorter term.
See our savings methodology

Find My Rate

Checking your rate will not affect your credit score.

Fixed rates starting at 3.400% and variable rates
as low as 2.630% 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 3.400% APR to 7.750% APR when you enroll in AutoPay.1

Variable Rate

Rates start from 2.630% APR to 7.695% APR when you enroll in AutoPay.1

How it works:

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

Term

APR

Lifetime
Savings

5-year

3.95%

$13,033

7-year

4.18%

$14,467

10-year

4.69%

$15,724

Hypothetical calculation assumes original loan balance of $96,672,10 year term, and 7.041% rate

Get pre-approved 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 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
194,000 + members who've refinanced
98% would recommend SoFi to a friend3.

Investing in people who
invest in themselves.

Get started
in minutes.

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

Find my rate
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