Refi your student loans at a
lower rate and you could save big.

This is real savings you could
spend on life instead of interest.

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Checking your rate will not affect your credit score✝︎.

NOTICE: If you are a federal student loan borrower, you should consider all of your repayment opportunities including the opportunity to refinance your student loan debt at a lower APR or to extend your term to achieve a lower monthly payment. Please note that once you refinance federal student loans you will no longer be eligible for current or future flexible payment options available to federal loan borrowers, including but not limited to income-based repayment plans or extended repayment plans.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Hurry—apply before
your offer expires!

Why refinance your student loans with SoFi?

Serious savings

You could save thousands of dollars thanks to flexible terms and low fixed or variable student loan refi rates.

Fast, easy, and all online

Simple online application, live customer support 7 days a week, and autopay take the stress out of repaying your student loans.

No application, origination or late fees. No pre-payment penalties.

No application or origination fees. No pre-payment penalties.

Access to member benefits

SoFi members get financial advice and more—all at no cost.

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