I feel like a fool for not having refinanced with SoFi sooner.
When I graduated, I had 30+ loans - some as small as a few hundred dollars, and my largest at 25k. I didn't intentionally take out a ton of loans in college, it's just the way they were given to me and I didn't know any better to ask for otherwise. I've had at least 7 different loan servicers (I started with 5 different lenders, then some of my loans were bought and sold and transferred to other lenders.) That was a headache and a pain each time. Around 2010, I participated in a program through the government that resulted in a Direct Consolidation of some of my loans through FedLoan (not all of them were eligible.) Nothing was refinanced, no rates changed, I was just able to manage my loans somewhat easier by having my loans spread across less lenders. That was helpful, but even then, I still had 3 different lenders, and something like 15 different loans. And I haven't even got to the interest rates yet. My largest loan, and the one with the highest interest rate was a private loan and so I was unable to consolidate it, unable to remove a cosigner, unable to refinance it - unless I took out a loan from a bank (which I looked into and was denied because keep in mind I had recently graduated college and wasn't making a lot of money, had no credit history, etc.) I thought I would be stuck with a 10% interest rate loan forever.
Then I found SoFi. **Cue the angels singing**
Now I have one lender. That I make one payment to. And I cut my interest rates, without lengthening my loan (read: It's more convenient AND I'm saving money!) And I removed a co-signer and improved their credit score. And SoFi offers unemployment relief, career services and advice for maximizing your potential and expanding your opportunities, and hosts events in my city so I can meet other members (borrowers), hear what the company leaders are working on, learn ways to improve my finances outside of just tackling Debt Mountain (smart spending, saving for retirement in a 401k vs an IRA/Roth IRA, buying a house versus renting, etc.)
In short, I feel like a fool for not having refinanced my student loans sooner with SoFi!!