Student Loan Refinancing

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How to Apply

  1. Find your rates at:
  2. If approved, select your rate and term
  3. Upload your identity, income and loan information

Student loan refinancing

Refinance at to get a 0.25% Rate Discount welcome bonus1 with your loan.

SoFi at Work
Why refinance with SoFi?
Serious Savings

Low variable and fixed rates available. Check out your pre-approval rates at Additional 0.25% rate discount available with AutoPay.*

Federal + Private

Consolidate and refinance both federal and private loans.

No Extra Fees

No application or origination fees. No prepayment penalties.

Community Benefits

Happy hours, career strategy services, member dinners, and more.

Best-In-Class Customer Support

We’re here to help 7 days a week by phone, email, chat and social. Call us at (855) 456-7634 or email us at


Apply now to get your 0.25% Rate Discount welcome bonus2.
Checking your rate will not affect your credit score3

*Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. 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. As of March 1, 2018. State restrictions may apply. See eligibility requirements at 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. (1) See (2) Welcome bonus will be issued electronically once you become a SoFi borrower; you have submitted a completed application with documents and your loan has been disbursed. Offer good for new customers only. (3) 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.

All loan decisions are based on SoFi’s guidelines and the AARC does not make those decisions.