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SoFi Can Help Save You Money
A quick online rate check could save you an average of $14,000.

Congratulations: You’re thriving in a career you’ve trained long and hard for. The only downer: Your graduate-school student-loan payments cost more each month than leasing an Audi.

Make it easier on yourself with SoFi.

The leading online lender saves its clients $14,000 on average by refinancing both federal and private student loans. And you can get started now by filling out a quick online form to find your rate (it only takes about 10 minutes). 

SoFi has no application fees or origination fees. Besides the low interest rates (fixed rates from 3.50% to 7.24% APR* with Autopay), there are lots of extras not offered by traditional institutions, including unemployment protection** and career services (because you just never know).

Find your new rate with a couple of keystrokes and reshape your financial future today.


*Fixed rates from 3.50% APR (with AutoPay) to 7.49% (without AutoPay) depending on loan term selected, your credit and other factors. See APR examples and terms. Residents of Nevada are not eligible for a refinance loan at this time, and variable rate loans are not offered in Ohio and Tennessee. Few applicants qualify for the lowest rate. To qualify for the lowest rate, you must have excellent credit and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on the term you select, including credit score, credit usage and history, years of experience, income and other factors. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

**If you lose your job through no fault of your own, you may apply for Unemployment Protection. SoFi will suspend your monthly SoFi loan payments and provide job placement assistance during your forbearance period. Interest will continue to accrue and will be added to your principal balance at the end of each forbearance period. Benefits are offered in three month increments, and capped at 12 months, in aggregate, over the life of the loan. To be eligible for this assistance you must provide proof that you have applied for and are eligible for unemployment compensation, and you must actively work with our career services department to look for new employment. If the loan is co-signed the unemployment protection applies where both the borrower and cosigner lose their job and meet conditions.

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