SoFi

STUDENT LOAN refinance

SoFi is paying off up to $1,000,000 in student loans.

Refi now to enter

✓ Checking never hurts your credit score.^‡

SoFi is paying off up to $1,000,000 in student loans.

	Hi Smiles Davis, When you refi student loans with SoFi today^†, you’ll get ahead of rising rates. And you’ll get a chance to pay off all your student debt.
	Refi now to save thousands and get a chance to win.

•	SoFi fixed rates start at just 3.74% APR with autopay* to refi federal student loans. And acting now could save you thousands versus waiting to refi at higher rates later. Or help you get out of debt faster.
•	Plus, you could get help paying off your student loans. Ten lucky winners who enter before 12/31/22 will have up to $100K each paid off. That’s a total of up to $1 million in payoffs!^

Remember, the student loan freeze ends 12/31/22. Refi today before rates rise higher. And get your chance to forget about student debt for good.

Refi now to enter

✓ Checking never hurts your credit score. ^‡

^No purchase or account funding necessary. Visit SoFi.com/Million for complete details including how to enter without account funding. Ends 12/31/22 @11:59 pm ET. 50 U.S/D.C., 18+ with outstanding student loan with a bank. Void where prohibited.

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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.

† NOTICE: The White House has announced a $10,000 forgiveness for qualifying federal student loan borrowers/$20,000 forgiveness for qualifying Pell Grant recipients/suspended all federal student loan payments and waived interest charges on federally held loans until 12/31/22. Please carefully consider these changes before refinancing federally held loans with SoFi, as in doing so you will no longer qualify for these changes or other future benefits applicable to federally held loans. If you qualify for federal student loan forgiveness and still wish to refinance, leave up to $10,000 and $20,000 for Pell Grant recipients unrefinanced to receive your federal benefit. For more information, please go to: https://studentaid.gov/debt-relief-announcement/

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. Your existing student loan(s) must total a minimum of $5,000 to be eligible for refinancing. Additional terms and conditions may apply. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., have graduated with an associate degree or higher from an eligible Title-IV-accredited college or graduate program, and meet SoFi’s underwriting requirements; see SoFi.com/eligibility. Lowest rates reserved for the most creditworthy borrowers.

Notice: SoFi Student Loan Refinance Loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment, Income Contingent Repayment, or PAYE. Your existing student loan(s) must total a minimum of $5,000 to be eligible for refinancing. Additional terms and conditions may apply.

^‡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.

*Fixed rates range from 3.99% APR to 8.24% APR with a 0.25% autopay discount. Variable rates range from 3.24% APR to 8.24% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates on 5-, 7-, and 10-year terms are capped at 8.95% APR; 15- and 20-year terms are capped at 9.95% APR. SoFi rate ranges are current as of 9/1/22 and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. The SoFi 0.25% autopay 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. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.

^No purchase or account funding necessary. Visit SoFi.com/Million for complete details including how to enter without account funding. Ends 12/31/22 @11:59 pm ET. 50 U.S/D.C., 18+ with outstanding student loan with a bank (other than SoFi). Void where prohibited.

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 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

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