Take down student debt, faster. Save thousands.

AACS and SoFi have teamed up to help you take down student debt—with student loan benefits, exclusively for AACS members, family, and friends. Plus, access financial education tools, guides, calculators, and more.

Claim your .25% rate discount toward your student loans. Checking your rate will not affect your credit score.

Serious savings.
Save thousands of dollars thanks to low fixed and variable rates. Plus, if you set up auto monthly payments from any bank account, you will get an additional 0.25% interest rate reduction.*

No hidden fees.
No application or origination fees, and no prepayment penalties—ever.

Easy and online.
Online pre-qualification in just two minutes. Know if you’re qualified before you complete the full application. Get started at

Member benefits.
SoFi members get career coaching, financial advice, and more—all at no cost.

SoFi is the leading student loan refinancing provider.

in refinanced student loans

members who’ve refinanced

would recommend SoFi to a friend1


Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements; see for details. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Information current as of 07/24/19 and subject to change. Loans originated by SoFi Lending Corp (dba SoFi). Licensed by the DBO CFL #6054612.

Due to recent events, including changes to federally held loans that temporarily waive interest and suspend the obligation to make payments during the COVID-19 crisis, we are recommending that anyone with federal student loan debt carefully review your current and potential future benefits on your federal loans before refinancing. When you refinance your loans, you waive any current and potential future benefits of your federal loans, including temporary waiver of payments that the federal government will provide to federal student loan borrowers, and replace those with the benefits of a SoFi Student Loan Refinance.

* Learn more about autopay at

‡ Terms and conditions apply. Offer good for new customers only and subject to lender approval. To receive the offer, you must: (1) register and/or apply through the referral link you were given; (2) complete a loan application with SoFi within 90 days of your application start date; (3) and meet SoFi’s underwriting criteria. Once conditions are met the interest rate shown in the Final Disclosure Statement will include an additional 0.XX% rate discount because of your involvement with a SoFi partner company at the time of loan origination. Cannot be combined with other rate discounts, with the exception of the 0.25% au-topay rate discount. Autopay is not required to receive a loan from SoFi. SoFi reserves the right to change or terminate the Rate Discount Program to unenrolled participants at any time with or without notice.

1 See our methodology at