Reduce the cost of your student loans

Fixed rates start at 3.50% and variable rates start
as low as 2.13% APR (with AutoPay)1.

Find My Rate

We’ve got your back.

Become a SoFi Member to refinance and consolidate your federal and private student loans – an average savings of $14K2. If you lose your job, we’ll pause your payments and help you find a new job. When you’re ready for a house, we’ll give you a discount on a SoFi mortgage. We’re here when you need us. It’s no wonder we’ve been trusted to fund over $5 billion in loans to date.

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 2.13% APR to
5.68% APR (with AutoPay).1

Fixed Rate

Rates available from 3.50% APR to
7.49% APR (with AutoPay).1

Find My Rate Learn More

Why SoFi?

Federal + Private
Student Loans

Refinance and consolidate federal and private loans. Easily. Members save an average of $14K2.


If you lose your job, we’ll temporarily pause your payments and help you find a new job.


Simple online application and access to live customer support 7 days a week.


Career support includes interview coaching, resume review, and negotiating tactics.

Find My Rate

So Easy

Get refinanced in as little as 15 minutes.

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. Choose a plan that best fits your needs.

Upload Documents & Sign

Upload documents to verify your current loans and identity. Screen shots or smart phone photos are acceptable. Sign your paperwork electronically.

Get Started
Equal Housing Lender