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We recommend the lenders above because we’ve thoroughly vetted them in 33 areas within four major categories — legal compliance & financial stability, breadth of product coverage, product attributes, and customer experience.

One of the advantages of shopping for a loan on is that we’re a multi-lender marketplace – you can compare the actual loans, rates, and terms that you qualify for from multiple lenders, without sharing any of your contact information with lenders.

Get started by checking your rates online in just two minutes. Whether you’re looking to refinance federal student loans, pay off loans sooner, or get a lower monthly payment (maybe all three), we offer a range of rates and terms.

If you’re feeling overwhelmed with student loan debt, or just looking for a way to save money on your loan repayment, refinancing and consolidating your student loans could be the solution you’ve been searching for.

So Fi is one of few lenders that handles federal and private student loan consolidation.

Plus, as a member, you’ll have access to a whole lot of perks: career strategy services, customer support seven days a week, invites to So Fi events, and more.


Many lenders and student loan companies now offer ways to consolidate both federal and private loans into a single loan.

Often borrowers are now graduates with better credit and a higher income than when they initially took out loans.



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