AAP Insurance Special Programs

SoFi Student Loan Refinancing


If you have a federal student loan and you’re worried about what happens after the CARES Act expires on January 31, 2022, this good news is for you. Take advantage of SoFi’s low interest rates on student loan refinancing—potentially saving thousands—while still enjoying the CARES Act benefits for federal student loans. With SoFi, you can refinance your federal student loans, lock in a lower rate, and keep your federal benefits until they expire—including 0% interest until 12/20/21 and no payments until February 2022.


If you have private student loans, you can refinance your loans now! Plus, as an AAP member, you’ll receive an exclusive $500 bonus when applying through SoFi.com/AAP.


But wait, there’s more!
SoFi at Work, is running a $50K Healthcare Heroes Sweepstakes where you could win $5,000* toward your student loans.


How to enter within minutes:

  • Visit SoFi.com/AAP and select the Sweeps tile
  • Create an account or log in to an existing SoFi account
  • Get pre-qualified to check your rate
  • You’re automatically entered!

Attached is a PDF with a link to enter and more info on how you could lock in those low rates. If you have any further questions, SoFi at Work’s support team is always ready to help. Just email them at your-benefits@sofi.com or call 833-277-7634.


*NO PURCHASE NECESSARY. Open to employees or members of participating SoFi at Work partners who are legal residents of and physically located within the 50 US states (or DC) age 18 or older and who have an outstanding student loan debt. See Official Rules on the back of the attached PDF for details. Ends 10/31/21. Void where prohibited.


Save and Simplify Your Student Loans

Juggling multiple student loans can be burdensome and time consuming, not to mention the high cost associated with federal and private student loans these days. After hearing from AAP members, we understand these challenges and are pleased to provide you with this exclusive membership benefit.

As a member of the AAP, you can earn a $500 Welcome Bonus when your loan is disbursed by applying here.


Overview of SoFi:

  • Competitively low, fixed and variable rates
  • No application or origination fees, no pre-payment penalty
  • $500 Welcome Bonus1
  • Refinance and consolidate both federal and private loans
  • Quick, easy online application process
  • Dedicated SoFi associate to assist you from start to finish
  • Additional benefits like entrepreneurial coaching, Unemployment Protection, and much more

Important Questions:

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How does SoFi work?

SoFi believes the traditional system for student lending is broken, and they want to do things differently. They’ve created an ecosystem that connects high quality alumni borrowers and investors to provide lower rates to a unique cadre of borrowers. Check out SoFi’s infographic for more.

Am I eligible for this program and a SoFi loan?

The SoFi Student Loan Refinancing Program is open to all current AAP Members. To be eligible for a SoFi loan, you must be a U.S. citizen or permanent resident 18 years or older and reside in one of our eligible states. Loan eligibility also depends on a number of additional factors, such as your credit score, your income and employment status.

Can I refinance both federal and private student loans?

Yes, SoFi will consolidate all qualified education loans, whether federal or private. SoFi will also honor any existing grace period on the loans you refinance.

What is the difference between consolidation and refinancing?

When you refinance, you get a new loan at one new rate—with SoFi, the rate is likely lower than what you’re currently paying. Simple consolidation is just a weighted average of your existing loans.

Have more questions?

For more information on the SoFi program, visit https://www.sofi.com/AAP, contact your dedicated SoFi representative, Jon Harold, or contact SoFi's partnership support at 1-833-277-SOFI (7634).



1 To earn the $500 Welcome Bonus, you must apply through the AAP Insurance Program partnership. When your loan is funded you earn the Welcome Bonus.

SoFi is available to residents in these states

AAP Insurance Application Portal

Apply Online Today Safely and Securely...


Applying is easy and takes just a few minutes. Click on the link to log in with your AAP member credentials. When you apply through this site, you are eligible to earn the $500 Welcome Bonus for AAP members.

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