Help consolidating student loans

The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan.

The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan.

The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

*To check the rates and terms you qualify for, So Fi conducts a soft credit inquiry.

All of the banks and lenders below allow borrowers to refinance student loans, as well as consolidate them during the process.

(Note: When mentioning student loan refinancing throughout this guide, it is implied that consolidation can be a part of the same process.) Both private and federal student loans can be refinanced with a private lender.

Fixed interest rates range from 3.89%-9.99% (3.89%-9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer.

Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures.

In this guide: Each student loan refinance lender has its own specific underwriting criteria, so your approval odds may be higher at one lender than another.APRs for variable rate loans may increase after origination if the LIBOR index increases.The So Fi 0.25% Auto Pay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account.Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score.Soft credit inquiries allow So Fi to show you what rates and terms So Fi can offer you up front.

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