About This Referral Deal

SoFi Student Loan Refinancing helps borrowers save thousands of dollars by replacing their existing student loans with a new loan featuring lower interest rates and flexible terms. As one of the leading student loan refinancing providers, SoFi has helped over 375,000 members refinance more than $30 billion in student loans.

Through this referral code, new customers can get a $300 bonus when they refinance their student loans, making it an excellent opportunity to reduce debt while earning extra money.

Your Benefits

$300 Referral Bonus

$300 signup bonus for refinancing - Get $300 bonus when you refinance through this referral code
New customers only - Available only for new SoFi customers
No Vermont residents - Offer not available to Vermont residents
Easy bonus qualification - Bonus awarded after successful loan refinancing

Serious Savings Potential

Save thousands of dollars - Potentially save thousands over the life of your loan
Low fixed or variable rates - Competitive interest rates to reduce monthly payments
Flexible terms - Choose terms that fit your budget and goals
No fees policy - No application, origination, or prepayment penalties

Fast & Easy Process

Simple online application - Complete application entirely online
Quick rate check - View your rate in minutes without affecting credit score
Live customer support - Access to support 7 days a week
Fast funding - Quick loan processing and funding

Get Started

Click the referral link - Use the provided referral code to access SoFi student loan refinancing
Check your rate - Get your personalized rate in minutes with soft credit check
Complete application - Submit required documentation online
Review loan terms - Approve your new loan terms and conditions
Receive your bonus - Get $300 bonus after successful refinancing

SoFi Student Loan Refinancing Advantages

Significant Interest Rate Savings

Lower rates available - Potentially reduce your interest rate significantly
Fixed and variable options - Choose the rate type that works for you
Rate transparency - Clear, upfront pricing with no hidden fees
Competitive market rates - Industry-leading rates for qualified borrowers

No Fees Structure

No application fees - Apply at no cost to see your potential savings
No origination fees - Start your new loan without upfront costs
No prepayment penalties - Pay off your loan early without penalties
No late fees - Focus on repayment without additional fee worries

Flexible Terms & Features

Multiple term options - Choose repayment terms from 5 to 20 years
Autopay discount - Additional rate reduction with automatic payments
Unemployment protection - Payment modification options if you lose your job
Career services - Access to job placement assistance and career coaching

Member Benefits

Financial planning - Complimentary financial advice and planning tools
Career coaching - Free access to career development resources
Member events - Exclusive networking and educational opportunities
Rate discounts - Potential additional discounts for existing SoFi members

Product Features

Loan Details

Loan amounts - Refinance any amount of existing student debt
Rate options - Both fixed and variable interest rates available
Term lengths - Flexible repayment terms from 5 to 20 years
No maximum limit - No upper limit on refinancing amount
Multiple loan consolidation - Combine federal and private loans into one payment

Eligibility & Application

Eligibility Requirements

Existing student loans - Must have existing federal or private student loans
Credit requirements - Good credit history and income required
Employment verification - Stable income and employment history
US citizenship - Must be US citizen or eligible status
Degree completion - Generally require degree completion

Application Process

Soft credit check - Initial rate check won't affect credit score
Online application - Complete entire process online
Document upload - Easy electronic document submission
Quick decisions - Fast approval process for qualified applicants
Electronic signature - Sign loan documents electronically

Important Considerations

Federal Loan Benefits

Loss of federal protections - Refinancing federal loans means losing federal benefits
Income-driven repayment - Federal income-based repayment plans no longer available
Public Service Loan Forgiveness - PSLF eligibility lost after refinancing federal loans
Deferment options - Federal deferment and forbearance options no longer available
Interest rate changes - Federal rate benefits and programs no longer apply

Who Should Consider Refinancing

High-interest loans - Borrowers with high-rate private or federal loans
Stable income - Those with stable employment and good credit
No federal benefits needed - Borrowers not relying on federal loan programs
Simplified payments - Those wanting to consolidate multiple loans
Lower payment goals - Borrowers seeking to reduce monthly payments

Loan Types Eligible

Federal Student Loans

Direct Subsidized Loans - Undergraduate federal loans with interest subsidy
Direct Unsubsidized Loans - Federal loans without interest subsidy
Graduate PLUS Loans - Federal loans for graduate students
Parent PLUS Loans - Federal loans for parents of undergraduate students
FFEL Loans - Older federal loan program loans

Private Student Loans

Bank student loans - Private loans from banks and credit unions
Alternative lenders - Loans from online and non-bank lenders
Institutional loans - School-specific private loan programs
Parent private loans - Private loans taken by parents for student education
Career training loans - Loans for professional or career training programs

Verification & Trust

Official Program Verification:

Program authenticity - Verified through SoFi's official referral terms
Company credibility - SoFi founded in 2011, has helped over 375,000 members refinance $30+ billion
Regulatory compliance - Licensed lender, regulated by state and federal authorities
Customer support - 7 days a week customer support available
Last verified - Information confirmed as of January 2025

Terms & Conditions

Bonus Terms

$300 bonus eligibility - Bonus awarded after successful loan refinancing
New customers only - Bonus available only for new SoFi customers
Vermont exclusion - Offer not available to Vermont residents
Refinancing requirement - Must complete full loan refinancing process with referral code
Single bonus per customer - One invite code bonus per new customer

Rate Considerations

Credit-based rates - Final rate depends on creditworthiness and other factors
Variable rate risk - Variable rates can increase over time
Fixed rate stability - Fixed rates remain same throughout loan term
Autopay discount - Additional rate reduction available with automatic payments
Rate shopping - Compare rates from multiple lenders before deciding

Federal Loan Warning

Irreversible decision - Federal loans cannot be returned to federal system after refinancing
Benefit loss - Loss of all federal loan benefits and protections
Income-driven plans - No access to federal income-driven repayment plans
Forgiveness programs - Ineligible for federal forgiveness programs
Emergency protections - Loss of federal emergency deferment and forbearance options

Application Requirements

Credit check - Hard credit check required for final loan approval
Income verification - Proof of stable income and employment required
Loan verification - Documentation of existing student loans required
Degree verification - Proof of degree completion typically required
State restrictions - Some states may have additional licensing requirements

By refinancing your student loans through this SoFi referral program, you'll receive a $300 bonus while potentially saving thousands of dollars over the life of your loans, though it's important to carefully consider the loss of federal loan benefits before proceeding.

SoFi Student Loan Refinancing Referral Code & Link