Sofi Student Loan Consolidation Refinancing

Sofi Student Loan Consolidation Refinancing Service Number

SoFi members who refinance their student loans save an average of $22,3592. Which is huge. Get started by checking your rates in just two minutes. Aside from great rates and an easy experience, we also offer awesome benefits – like unemployment protection and career support. We’re here when you need us. In fact we’ve been there to help our members in funding over $18 billion in loans to date.

Refinancing and consolidation of private and federal student loans
Must have completed an eligible undergraduate or graduate degree program
Available for both undergraduate and graduate school student loans
2.56% to 6.49% APR (with autopay) variable rates, capped at 8.95% to 9.95% APR
3.37% APR to 6.74% APR (with autopay) fixed rates
5, 7, 10, 15, 20 year repayment terms
No origination fees or prepayment penalties
Unemployment protection – loan payments are paused and they help find new job
Career support – complimentary coaching for SoFi members
Entrepreneur program – qualified applicants can receive loan deferrals and mentorship

Federal + Private

SoFi is one of few lenders that can consolidate and refinance both federal and private loans (in a snap).

Exclusive Rates

Get a 0.125% rate discount on an additional SoFi loan—just for being a member.

Unemployment Protectin

If the unexpected happens, we’ll temporarily pause your loan payments and help you in your job search.

Carrer Support

Our coaches will help you advance in your career, build a personal brand, negotiate your salary, and more.

Wealth Advisors

Finances and investments can be confusing. Our Wealth advisors are here to help you make sense of it all.

We look behind just credit scores and debt-to-income ratios to consider factors like estimated cashflow, career, and education. So while other leaders charge higher rates to account for the possibility that borrowers won’t pay back their loans, our unique underwriting process helps ensure our members have a high likelihood of making their payments.