SoFi Student Loan Refinancing

SoFi is endorsed by the MDA to help you tackle your student debt. The Biden Administration extended the pause of federal student loan payments from January 31 to May 1, 2022. With multiple interest rate hikes anticipated throughout 2022, refinancing your student loans now and locking in a low-interest rate could be a viable option.

If you don’t want to kick the can down the road anymore, you can refinance your loans now! Get the most out of your student loan refinance with SoFi:

  • 0.25% rate discount: MDA members will receive a 0.25% exclusive rate discount upon refinancing through SoFi. Apply through
  • Flexible Rates and terms: Low variable and fixed rates with 5,7,10,15 and 20-year repayment options.
  • No hidden fees: You know we’re not fans of fees. That is why SoFi doesn’t have any application or origination fees and no pre-payment penalties.

SoFi has fixed interest rates starting at 2.49% APR (with autopay). SoFi can help you evaluate your options and make a plan for becoming debt-free from student loans. Get started today at!

Download the MDA Borrower Guide:
“STUDENT LOAN REFINANCE: The Dental Professional’s Guide”

NOTICE: Recent legislative changes have suspended all federal student loan payments and waived interest charges on federally held loans until 5‍/31‍/22. 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.
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. Minimum loan amount may be higher in specific states due to legal requirements. To qualify, a borrower must be a U.S. citizen or other eligible status, 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 rates reserved for the most creditworthy borrowers.
Notice: SoFi 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. Minimum loan amount may be higher in specific states due to legal requirements.
Advisory services are offered through SoFi Wealth, LLC an SEC‑registered Investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at INVESTMENTS ARE NOT FDIC INSURED, HAVE NO GUARANTEE, AND MAY LOSE VALUE. Sofi can’t guarantee future financial performance and past performance is no guarantee. Automated investing via SoFi Wealth LLC, a registered investment advisor. Active investing via SoFi Securities LLC, member FINRA/SIPC. For additional disclosures related to the SoFi Invest platforms, please visit
SoFi at Work is offered by Social Finance Inc. SoFi loans are offered by SoFi Lending Corp. or an affiliate (dba SoFi), licensed by the Department of Financial Protection and Innovation under the California Financing Law, license #6054612; NMLS #1121636 ( For additional product-specific legal and licensing information, see 2750 E. Cottonwood Parkway #300 Cottonwood Heights, UT 84121. SoFi Lending Corp. 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.



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