We've just lowered our student loan refi rates.

Limited-time offer!

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Log in ›     STUDENT LOAN REFINANCING     Good news: A lower student loan refi rate¹     View your rate     For a limited time, get a rate discount on your student loan refinance.     • Get an extra 0.125% rate discount on your funded loan¹ when you submit your application for SoFi Student Loan Refinancing by 02/18/26. • You could save thousands—put more life in your budget. • Choose what works for you—select from a number of flexible repayment options to fit your needs.     Act now—offer ends 02/18/26.¹     View your rate     ✔ Checking your rate won't affect your credit score.†     To learn more, explore the Student Loan Refinance Page.       Have questions? Contact us   Refer student loan refi, earn $500   Download the SoFi app   SoFi is committed to fighting racism, standing in solidarity with all of our communities, providing space for open dialogue, as well as taking action as informed allies. † To check the rates and terms you may 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. Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY TERMS AND DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME. To qualify for refinancing, you must fulfill all SoFi eligibility requirements. SoFi only refinances student loans totaling at least $5,000 that you used to fund tuition at an eligible Title IV accredited school where you were enrolled at least 50% time. Loans currently being used to fund education for actively enrolled students are not eligible for refinancing. For more detail, see SoFi.com/eligibility. Lowest rates reserved for the most creditworthy borrowers. You may pay more interest over the life of the loan if you refinance. Notice: SoFi Refinance Student Loans are private loans. When you refinance federal loans with a SoFi loan, YOU FORFEIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE. ¹ Terms and conditions apply. Discount is valid for all new loans submitted between 02/12/26 12:01 AM PT to 02/18/26 11:59 PM PT and is subject to lender approval. The offer is only open to SoFi Student Loan Refinance borrowers. To receive the offer, you must: (1) click through the link in this email; (2) complete a student loan refinance application with SoFi; (3) Submit the application by 02/18/26 11:59 PM PT (4) and meet SoFi's underwriting criteria. Discount cannot be applied to previously originated or submitted student loan refinancing loans. SoFi reserves the right to change or terminate the offer at any time with or without notice. SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). For additional product‑specific legal and licensing information, see SoFi.com/legal. SoFi Bank, N.A. values your privacy and the security of your personal information so please do not include sensitive personal information, such as your Social Security number, in any email or letter that you send to us. SoFi Bank, N.A. 2750 East Cottonwood Parkway #300, Cottonwood Heights, Utah 84121 Unsubscribe Privacy Policy Licenses © 2026 SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved. w:3538335