Save thousands on your student loans.

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Find My Rate

Checking your rate will not affect your credit score.

Hurry—apply before
your offer expires!

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.

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 3.46% APR to 5.98% when you enroll in AutoPay.1

Variable Rate

Rates start from 2.05% APR to 5.98% when you enroll in AutoPay.1

Investing in people who
invest in themselves.

How it works:

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

  • Term



  • 5-year



  • 7-year



  • 10-year



For illustrative purposes only, your actual savings may vary based on interest rates, balances, remaining repayment term and other factors.

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.

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