SoFi
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SoFi's student loan refinancing lets you combine multiple loans into one with a lower rate, plus membership perks like unemployment protection if you lose your job. The platform includes free calculators to compare your current payments against refinance scenarios, so you can see the savings upfront.
If you're working and have stable income, refinancing can save significant money over time. SoFi's membership benefits add value beyond the rate alone, making it appealing for borrowers who want more than just a new loan.