Refinance Student Loans

Save thousands on your student loans.

Find My Rate

Checking your rate will not affect your credit score✝︎.

FIND YOUR RATE IN TWO MINUTES.

Get started by checking your rates in just two minutes. Aside from great rates and an easy experience, we also offer awesome benefits—like unemployment protection and career support. We’re here when you need us. In fact, we’ve been there to help our members in funding over $73 billion+ in loans to date.

Pick the loan that works for you.

Save on your student loans by choosing between a range of rates and terms. No prepayment penalties and no hidden fees. Ever.

Fixed Rate

Rates available from 5.24% APR to 9.99% APR when you enroll in AutoPay.1

Variable Rate

Rates start from 6.24% APR to 9.99% APR when you enroll in AutoPay.1

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How it works:

The student loan refinancing process is fast, easy, and can be done entirely online.

  • New Term

    APR

  • 5-year

    4.03%

  • 7-year

    4.57%

  • 10-year

    4.98%

View Payment Examples
SoFi offers a range of terms and rates—so yours are going to look different from this illustrative chart, which is just something designed to show you what the SoFi app looks like.

Get pre-qualified online in just two minutes.

We’ll let you know if you’re qualified before you finish the full application.

Select your rate and term.

Choose between saving on your monthly payment or saving on total student loan interest.

Verify your info and sign.

Upload screenshots of your information, then sign your paperwork electronically.

Switch to one low-rate monthly payment.

We pay off your servicer(s) and issue you one new student loan.

Find my rate

It takes only two minutes and
won't affect your credit score.✝︎

SoFi is a leading student loan
refinancing provider.

$41 billion+ in refinanced student loans
475,000+ members who've refinanced
98% would recommend SoFi to a friend3.

Why refinance
with SoFi?

Serious savings

Save thousands of dollars thanks to low fixed and variable rates.

Fast, easy, and all online

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

No hidden fees–No catch

No application or origination fees. No pre-payment penalties.

Get exclusive member rate discounts

Get a 0.125% rate discount on additional SoFi loans—just for being a member.✝︎✝︎

Student Loans Help Center

From success stories to calculators, our tools and resources will help answer all of your burning student loan questions.

Learn more

Debt Navigator

This personalized tool provides valuable information to uncover repayment options and can help you make the student loan decision that's right for you.

Learn more

Get started
in minutes.

Speed matters. Which is why you can check loan rates—in just minutes.

Find my rate

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, NMLS # 1121636. (www.nmlsconsumeraccess.org)

✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

‡ Based on a SoFi survey sent to 2,000 millennials ages 25-34, results published February 2017.

* Additional terms and conditions apply. Limited time offer, for applications started between 01/05/18 – 02/12/18 and is subject to lender approval. To receive the offer, you must: (1) register and/or apply through the referral link you were given; (2) complete a loan application with SoFi within 4 months of your application start date; (3) and meet SoFi’s underwriting criteria. Once conditions are met and the loan has been disbursed, you will receive your Match.com one month’s subscription discount promo code, via email, within 30 days.

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