👀 First: refi student loans. Next: new money goals

88% of borrowers say student loans delay life goals.

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Log in ›     STUDENT LOAN REFINANCING     88% of student borrowers are delaying life goals.¹ Here’s a way forward.     View your rate     If you’ve got student debt, the idea that so many borrowers say it’s holding them back is no surprise. In fact, 41% of this group also said they wish they’d gotten help repaying their student loans earlier.¹ Feel like you’re out of options for paying back your student loans? Refinancing could help you get your financial house in order sooner—with lower monthly payments or shorter terms. SoFi SmartStart² could even help you ease into things by making only partial payments for the first nine months³ once you refinance. After that? You can start planning way ahe ad with Life Goals You Can Work on After Refinancing Your Student Loans.     View your rate     Checking won’t affect your credit score.†     Your student loan refinancing starter kit.         SLR25-2818350-G       Have questions? Contact us   Download the SoFi app   † 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. ¹Source: The Cost of Admission: The 2025 Report From SoFi. ² SoFi SmartStart Loan: Eligible only for 7, 10, 15, and 20 year loan terms and fixed rate. Not available to borrowers in the Medical Residency ReFi program. Must meet creditworthiness requirements. Learn more at Sofi.com/eligibility. During the interest-only period, your minimum monthly payments only pay accrued interest and do not reduce the loan principal balance on the SmartStart loan. After the interest-only period, your minimum monthly payments will increase for the remainder of the loan term to pay principal and interest on a conventional amortization schedule. You are only eligible to take a SoFi SmartStart loan one time as a primary borrower. ³ Interest-only for First 9 Months Repayment Plan: Repayment plan is available for fixed-rate loans only. For the initial 9-month period, monthly payments will be interest-only, with no reduction in the principal balance. Following the 9-month interest-only period, monthly payments will consist of both principal and interest for the remainder of the loan term. A 5-year term is not available for this offer. Choosing this option may result in a higher total loan cost compared to making full principal and interest payments from the start. Brian Walsh is a Registered Representative of SoFi Securities, LLC and an Investment Adviser Representative of SoFi Wealth, LLC. 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-E