Student LoansEditor's ReviewSponsored
SoFi Student Loan Refinancing Review
Best for Professionals Refinancing Federal Loans
4.5/ 5.0
Starting APRFrom 4.99%
Origination FeeNone
Max LoanFull balance
Job Loss ProtectionPayment pause
Top Pick · Student Loans
SoFi
Student loan refi from 4.99% APR
No origination fee
CalcMoney Editor's Take
SoFi is the gold standard for student loan refinancing for high-earning professionals. The combination of competitive rates, zero fees, and career/financial coaching benefits creates genuine value beyond just the interest rate.
Pros
- Competitive rates starting from 4.99% APR
- Zero fees: no origination, prepayment, or late fees
- Unemployment protection program
- Free career coaching and financial planning for members
Cons
- Refinancing federal loans loses federal protections (IDR, PSLF)
- Good-to-excellent credit required for best rates
Best For
Private student loan refinancingProfessionals with stable income refinancing grad school debtThose who won't need income-driven repayment
Run the Numbers First
Ready to Get Started?
Visit SoFiAdvertiser Disclosure: CalcMoney may earn a commission if you open an account or apply through links on this page. This does not affect our editorial ratings or recommendations.
Refinancing federal loans eliminates access to federal repayment plans and forgiveness programs. Evaluate carefully.