Make your student debt
go away faster.

Get your $100 welcome bonus when you register and apply through this page*.

Find My Rate

Checking your rate will not affect your credit score.

Fixed rates starting at 3.250% and variable rates
as low as 2.560% APR, when you enroll in AutoPay1.

With an average savings of $15,7672 and an application that takes just minutes, 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.*

Rates and Terms

No origination fees in most states, no prepayment penalties. Whether you’re looking to pay off loans sooner or get a lower monthly payment (maybe even both), we offer a range of rates and terms. Choose what works for you.

Variable Rate

Rates start from 2.560% APR to
7.400% when you enroll in AutoPay.1

Fixed Rate

Rates available from 3.250% APR to
7.125% when you enroll in AutoPay.1

Find My Rate Learn More

Why Refinance Student Loans with Sofi?


Low fixed and variable rates. No application or origination fees. Average member savings: $15,7672.

Federal + Private

SoFi is one of few lenders that can consolidate and refinance both federal and private loans (in a snap).


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.


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


Finances and investments can be confusing. Our Wealth advisors are here to help you make sense of it all.

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
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