Lower student loan refi rates could mean bigger savings 💰

Limited-time offer!

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Log in ›     STUDENT LOAN REFINANCING     Limited-time: Get an extra 0.125% rate discount¹ on your student loan refi     View your rate     Save money each month or pay off your student loan sooner.     The average student borrower takes over 20 years to pay off student debt. And for some professionals, it could be 45 years.² But right now, you could get an extra 0.125% rate discount on your funded loan¹ when you submit your application for SoFi Student Loan Refinancing by 03/14/26. That could mean big interest savings or a shorter payoff timeline. But don't wait, this offer ends 03/14/26¹.     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 03/08/26 12:01 AM PT to 03/14/26 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 03/14/26 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. ² SOURCE: Education Data Initiative "Average Time to Repay Student Loans" accessed on 12/‍6/‍23. 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:3650150