⏩ Want help paying down student loans sooner? Here’s how.

See how a little extra each month adds up.

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Log in ›     STUDENT LOAN REFINANCING     Why going beyond minimum payments could build big momentum.     Sure, Janet, minimum payments keep your student loan current. But they're more of a last resort than a long-term strategy. If you're hoping to start making a real dent in your college debt, pay a little extra here and there.     Here's what paying more could do:     💰 Lower your total interest. ➗ Improve your debt-to-income ratio. 🔮 Free up cash for the future.     If your current repayment plan isn't helping you hit your money goals, you could lower your monthly payment or potentially save on interest over the life of your loan by refinancing with SoFi.     Learn more     Your student loan refinancing starter kit.         SLR25-2818350-G       Have questions? Contact us   Download the SoFi app   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. This content is provided for informational and educational purposes only and should not be construed as financial advice. 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:3044387 SLR25-2818350-B