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So Fi aims to help undergraduate and graduate borrowers lower their monthly payments and get lower interest rate loans. So Fi offers both variable and fixed interest rate loans.

Borrowers can select from 5, 10, 15, and 20 year repayment plans.

The fixed rate loans start at 3.375% and have a maximum possible rate of 6.74%.

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Interest rates on student loans usually vary by loan type, rate type, and credit worthiness.

If you find yourself paying 4% to 10% in interest each year you are paying too much.​Over the last couple years student loan refinancing has become a hot topic in the United States.

Borrowers are expected to make payments on a monthly basis.

The company offers an interest rate discount of 25 basis points if you sign up for auto-pay.

Signing up for auto-pay is easy and So Fi’s customer service support staff can help you through the process if you run into any trouble. Origination fees are fees charged to borrowers for taking out a loan. Whether you are looking to pay $100 extra each month, or are using that year end bonus to pay off your loans, you can be sure that you won’t be charged any fees for paying early.​So Fi makes refinancing student loans simple.