Save thousands on your private student loans.

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How it works:

Upload screenshots of your information, then sign your paperwork electronically. Then we'll pay off your servicer(s) and issue you one new student loan.

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

We'll let you know if you're qualified before you complete the application. 

REFINANCE STUDENT LOANS

Checking your rate will not affect your credit score. 

Find my rateFind my rate

1. Get pre-qualified

2. Select your rate and term

3. Get your new loan

Low rates. No fees. Easy application.

Partnered with

Equal Housing Lender

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 permanent resident in an eligible state and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. 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 such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., 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.

Due to recent events, including changes to federally held loans that temporarily waive interest and suspend obligation to make payments during the COVID-19 crisis, we are recommending that anyone with federal student loan debt carefully review your current and potential future benefits on your federal loans before refinancing. When you refinance your loans, you waive any current and potential future benefits of your federal loans, including temporary waiver of payments that the federal government will provide to federal student loan borrowers.

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