Checking your rate will not affect your credit score✝.
Save on your student loans by choosing between a range of rates and terms. No prepayment penalties and no hidden fees. Ever.
Take your career to the next level with expert guidance from SoFi Career Coaches.
Our member events range from dinners and happy hours to panel sessions and networking opportunities.
Get a 0.125% rate discount on additional SoFi loans—just for being a member.✝✝
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.
We’ll let you know if you’re qualified before you finish the full application.
Choose between saving on your monthly payment or saving on total student loan interest.
Upload screenshots of your information, then sign your paperwork electronically.
We pay off your servicer(s) and issue you one new student loan.
It takes only two minutes and
won’t affect your credit score.✝
Speed matters. Which is why you can check loan rates or start investing online—in just minutes.
Find my rate