SoFi Student Loan Refinance: Shopping portal cashback & miles rates

Cash Back Offer Terms and Conditions Cash back amount subject to change. Cash back is provided by Rakuten, not SoFi. Only available for new SoFi Student Loan Refinancing borrowers. Only redeemable once per Rakuten account. The Cash Back amount will be determined based on the date you click on the Rakuten link. Customer must refinance active student loan(s) within 45 days of clicking the Rakuten link to qualify. To qualify for the Cash Back offer Initiate your student loan refinance application by clicking on a SoFi link provided directly by Rakuten. Complete the entire application process with SoFi. Meet SoFi’s underwriting criteria, be approved by SoFi, and successfully refinance your active student loan(s) with SoFi. To qualify for a SoFi Student Loan Refinance Fulfill all SoFi eligibility requirements (see sofi.com/eligibility-criteria for full details). Refinance student loans totaling at least $5,000. Have used the original loans to fund tuition at an eligible Title IV accredited school where you were enrolled at least 50% time. Not currently be using the loans to fund education as an actively enrolled student (loans for currently enrolled students are not eligible for refinancing). Important Considerations: Lowest rates are reserved for the most creditworthy borrowers. Refinancing may result in paying more interest over the life of the loan. SoFi Student Loan Refinancing Terms and Conditions SOFI RESERVES THE RIGHT TO MODIFY TERMS AND DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME. To qualify for refinancing, you must fulfill all SoFi eligibility requirements. SoFi only refinances student loans totaling at least $5,000 that you used to fund tuition at an eligible Title IV accredited school where you were enrolled at least 50% time. Loans currently being used to fund education for actively enrolled students are not eligible for refinancing. For more detail, see SoFi.com/eligibility. Lowest rates reserved for the most creditworthy borrowers. You may pay more interest over the life of the loan if you refinance. Notice: SoFi Refinance Student Loans are private loans. When you refinance federal loans with a SoFi loan, YOU FORFEIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE . Information current as of 8/19/2026 and subject to change. SoFi Refinance Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 ( www.nmlsconsumeraccess.org ). Pricing Disclosure: Fixed rates range from 3.99% APR to 10.99% APR with 0.25% autopay discount and 0.125% SoFi Plus discount. Variable rates range from 5.74% APR to 10.99% APR with 0.25% autopay discount and 0.125% SoFi Plus discount. Unless required to be lower to comply with applicable law, Variable Interest rates will never exceed 13.95% (the maximum rate for these loans). SoFi rate ranges are current as of 8/19/26 and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. You may pay more interest over the life of the loan if you refinance with an extended term. Autopay Discount: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly payments as outlined

Cash Back Offer Terms and Conditions Cash back amount subject to change. Cash back is provided by Rakuten, not SoFi. Only available for new SoFi Student Loan Refinancing borrowers. Only redeemable once per Rakuten account. The Cash Back amount will be determined based on the date you click on the Rakuten link. Customer must refinance active student loan(s) within 45 days of clicking the Rakuten link to qualify. To qualify for the Cash Back offer Initiate your student loan refinance application by clicking on a SoFi link provided directly by Rakuten. Complete the entire application process with SoFi. Meet SoFi’s underwriting criteria, be approved by SoFi, and successfully refinance your active student loan(s) with SoFi. To qualify for a SoFi Student Loan Refinance Fulfill all SoFi eligibility requirements (see sofi.com/eligibility-criteria for full details). Refinance student loans totaling at least $5,000. Have used the original loans to fund tuition at an eligible Title IV accredited school where you were enrolled at least 50% time. Not currently be using the loans to fund education as an actively enrolled student (loans for currently enrolled students are not eligible for refinancing). Important Considerations: Lowest rates are reserved for the most creditworthy borrowers. Refinancing may result in paying more interest over the life of the loan. SoFi Student Loan Refinancing Terms and Conditions SOFI RESERVES THE RIGHT TO MODIFY TERMS AND DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME. To qualify for refinancing, you must fulfill all SoFi eligibility requirements. SoFi only refinances student loans totaling at least $5,000 that you used to fund tuition at an eligible Title IV accredited school where you were enrolled at least 50% time. Loans currently being used to fund education for actively enrolled students are not eligible for refinancing. For more detail, see SoFi.com/eligibility. Lowest rates reserved for the most creditworthy borrowers. You may pay more interest over the life of the loan if you refinance. Notice: SoFi Refinance Student Loans are private loans. When you refinance federal loans with a SoFi loan, YOU FORFEIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE . Information current as of 8/19/2026 and subject to change. SoFi Refinance Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 ( www.nmlsconsumeraccess.org ). Pricing Disclosure: Fixed rates range from 3.99% APR to 10.99% APR with 0.25% autopay discount and 0.125% SoFi Plus discount. Variable rates range from 5.74% APR to 10.99% APR with 0.25% autopay discount and 0.125% SoFi Plus discount. Unless required to be lower to comply with applicable law, Variable Interest rates will never exceed 13.95% (the maximum rate for these loans). SoFi rate ranges are current as of 8/19/26 and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. You may pay more interest over the life of the loan if you refinance with an extended term. Autopay Discount: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly payments as outlined