How it works:
The student loan refinancing process is fast, easy, and can be done entirely online.  

Refinance Student Loans

Save thousands on your student loans.

Refinancing student loans with CITI can save borrowers $4662f a month—or $30,0692 over the life of the loan.

All transfers are secured and instant crediting to nominated accounts. Sign up with us today

Get pre-approved online in just two hours.

We’ll let you know if you’re qualified before you finish the full application.

Select your rate and term.

Choose between saving on your monthly payment or saving on total student loan interest.

Verify your info and sign.

Upload screenshots of your information, then sign your paperwork electronically.

Switch to one low monthly payment.

We pay off your servicer(s) and issue you one new student loan.

Accelerate your
career

Take your career to the next level with expert guidance from CITI Career Coaches. Get a 0.125% rate discount on additional SoFi loans—just for being a member.

24/7 Personal Support

Support and protection - get ready to breathe a sigh of relief. No matter where you are when you need help.

Experience the
CITI Loans community

Our member events range from dinners and happy hours to panel sessions and networking opportunities.

Access Wealth,
LLC advisors

Our licensed SoFi Wealth, LLC advisors are here to help you manage your money and start investing. No trading, transfer, custodian, or commission fees.