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Navigating your student loans in a COVID-19 world.

Everything is changing and that may include how you handle student debt. We’re here to help you make an informed decision about refinancing your student loans.

To refinance or not to refinance?
(That was actually the question.)

If you have federally held student loans…

Now may not be the right time to refinance. Sign up for updates and we’ll keep you posted on when to check back in. In the meantime, we’ll provide you with other financial tips, resources, and COVID-19 news.

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If you have privately held student loans…

Refinancing with SoFi could save you thousands of dollars and help you pay off your loans faster.

Find my rate

Not sure which kind of student loans you have?
Here’s the difference →

So, what is the CARES Act?

Congress passed the Coronavirus Aid, Relief, and Economic Security Act, which provides benefits for federal student loan holders, including waiving payments and interest charges through December 31, 2022. This could impact you in two ways—depending on if you have privately or federally held student loans.

Explore even more ways SoFi can help you.

SoFi Invest®

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Personal Loans

Our personal loans come with low rates—and are 100% completely fee free.

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We make sure that both the home-buying and mortgage refinancing process are as quick and painless as possible.

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Private Student Loans

SoFi’s helping students pay for school with our no-fee private student loans.

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SoFi Checking and Savings® is a checking and savings account, which is a brokerage product, offered by SoFi Securities LLC. Member FINRA/SIPC. SoFi Securities is an affiliate of SoFi Bank, N.A.

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“SoFi Invest” is the brand name for brokerage products and services offered through SoFi Securities LLC (SFS) Member FINRA/SIPC including SoFi Checking and Savings®, advisory services offered through SoFi Wealth LLC (SFW) an SEC Registered Investment Adviser, services offered through SoFi Digital Assets, LLC (SDA). SFS, SFW, and SDA are affiliated companies under the common control of Social Finance, Inc. (SoFi). Neither SoFi nor its subsidiaries are a bank.

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Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify for lending products, 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, a responsible financial history, years of experience, income and 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, or its affiliates. (www.nmlsconsumeraccess.org)

Before you apply for a SoFi Home Loan, we’d like you to be aware that not all loan programs are available in all states. Learn more at SoFi.com/legal. SoFi Home Loans are eligible for Primary or Second Home residences. SoFi Home Loans are subject to additional credit, income, property, loan amount and other eligibility restrictions and limitations. Product, rates, benefits, terms and conditions are subject to change without notice. Learn more at SoFi.com/eligibility-criteria.

✝︎ 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.

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Navigating your student loans in a COVID-19 world.

To refinance or not to refinance? (That was actually the question.)

If you have federally held student loans…

slrcares

If you have privately held student loans…

So, what is the CARES Act?

Explore even more ways SoFi can help you.

SoFi Invest®

SoFi Checking and Savings

SoFi Insights

Personal Loans

Home Loans

Private Student Loans

To refinance or not to refinance?
(That was actually the question.)