SoFi Student Loan Refinancing
Student refinancing with separate options for standard borrowing, Parent PLUS and certain professional borrowers.
Checked facts and conditions
Checking a rate
SoFi describes prequalification as a soft credit check. A full application includes document review and a hard credit inquiry that may affect your credit score. Prequalification is not final approval.
Source: SoFi student refinance basics ↓Program differences
The help center distinguishes standard, Parent PLUS, medical/dental residency and SmartStart options. The payment structure available to you depends on the program and eligibility.
Source: SoFi student refinance basics ↓Partial refinancing
SoFi says applicants can refinance only part of their eligible student debt. Identify the specific loans and amounts in the application rather than assuming every existing loan must move.
Source: SoFi student refinance basics ↓Questions for your actual offer
- Which program applies to me, and when do full principal-and-interest payments begin?
- Does my offer include an origination fee or conditions for rate discounts?
- Which existing loans should remain outside the refinance after comparing their benefits and costs?
Compare fixed and variable APRs separately, using the same amount and term. Review the final loan agreement for fees, total payments and cosigner obligations.
Provider sources
- SoFi student refinance basics ↗
Checked 2026-09-14