Reduce the cost of your student loans

Fixed rates start at 3.50% and variable rates start
as low as 1.90% APR (with AutoPay)1.

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No Fees. No Catch.

By completely changing the way student loans are refinanced, SoFi has revolutionized the student loan industry. No application or origination fees. No pre-payment penalties. Flexible rates and an average member savings of $11K2. No wonder we’ve been trusted to fund over $2.5 billion in loans to date.

Why SoFi?

Federal + Private
Student Loans

Refinance and consolidate federal and private loans. Easily. Members save an average of $11K2.


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.

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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 1.90% APR to
5.19% APR (with AutoPay).1

Fixed Rate

Rates start from 3.50% APR to
7.24% APR (with AutoPay).1

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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.

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