👻 Stop student loan interest from creeping up on your money goals.

Student loan interest is not your friend.

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Log in ›     STUDENT LOAN REFINANCING     Student loan interest never sleeps. But you could outsmart it.     Interest is the silent partner in your student loan journey, except it's not around to help you out. The more you understand how student loan interest accrues, the more you can do to help manage it.     Here's what every borrower should know:     ⏲️ When interest starts accruing (usually after your typical six-month grace period) ➗ How your rate is set, based on credit and history 💸 How interest is calculated daily and why that matters 🧠 Ways to save, including paying early or refinancing     Oh, and a friendly reminder: SoFi Student Loan Refinancing honors grace periods, so you won't accrue any interest until your grace period wraps if you switch to us.     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. 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-D