Refinance Student Loans

Make your student debt
go away faster.

Fixed rates start at 3.375% and variable rates start
as low as 2.365% APR (with AutoPay)1.

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Checking your rate will not affect your credit score1.


Saving you money on student loans is kind of our thing. In fact, members who refinance with us save an average of $2882f a month—and $22,3592 total. SoFi is one of few lenders that can consolidate both federal and private student loans. Plus, as a member, you’ll have access to a whole lot of perks: career strategy services, customer support seven days a week, invites to SoFi events, and more. Get started by checking your rates online in just two minutes.

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 2.365% APR to
6.290% APR (with AutoPay).1

Fixed Rate

Rates available from 3.375% APR to
6.740% APR (with AutoPay).1

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Why SoFi?


Low fixed and variable rates. No application or origination fees. Average member savings: $22,3592.

Federal + Private

SoFi is one of few lenders that can consolidate and refinance both federal and private loans (in a snap).


A simple application with friendly customer support via phone, email, chat, and social—seven days a week.


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.

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Get Refinanced in Three Easy Steps

Refinancing your student loans with SoFi takes 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.

Upload & Sign

Easily upload documents via screenshots or smartphone photos, then sign your paperwork electronically.

Get Started
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