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.
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.
Rates start from 1.90% APR to
5.20% APR (with AutoPay).1
Rates available from 3.50% APR to
7.24% APR (with AutoPay).1
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.
Get refinanced in as little as 15 minutes.
Our quick pre-approval process lets you know if you qualify before you complete the full application.
Compare the plans available to you with specific payments, rates, and terms. Choose a plan that best fits your needs.
Upload documents to verify your current loans and identity. Screen shots or smart phone photos are acceptable. Sign your paperwork electronically.