Refinance Student Loans

Make your student debt
go away faster.

Fixed rates start at 5.24% and variable rates start
as low as 6.24% APR, when you enroll in AutoPay1.

Find My Rate

Checking your rate will not affect your credit score1.


It’s easier than you think to refinance and consolidate your federal and private student loans. There’s no commitment necessary to check your personalized rates. Borrowers who refinance their student loans can save up to $15,7672 over the life of the loan. When you are ready, you can apply online from any computer or mobile device. We work with any bank and our customer service team is here for you 7 days a week.

Rates and Terms

We offer a range of options so you can optimize your monthly payments, lifetime cost, or speed of pay off. Choose the plan that fits your needs.

Variable Rate

Rates start from 6.24% APR to
9.99% APR (with AutoPay).1

Fixed Rate

Rates available from 5.24% APR to
9.99% APR (with AutoPay).1

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Why 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

Get Refinanced 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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