AAP Insurance Special Programs

SoFi Student Loan Refinancing


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 an AAP member, when you refinance with SoFi, you have acccess to a rate discount of 0.25%1, along with exclusive low fixed rates starting at 4.49% APR* 3.49% APR* (with all discounts) for pediatricians with loan balances over $150K. Click here to find your rate.


Overview of SoFi:

  • Competitively low, fixed and variable rates
  • No application or origination fees, no pre-payment penalty
  • Rate discount of 0.25%1
  • 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.

Still need more info? Let SoFi show you how it works.

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 www.sofi.com/AAP, contact your dedicated SoFi representative, Jon Harold, or contact SoFi's partnership support at 1-833-277-SOFI (7634).



1 Terms and conditions apply. Offer good for new student loan refinancing customers only and subject to lender approval. To receive the offer, you must: (1) register and/or apply through the SoFi at Work portal; (2) complete a loan application with SoFi within 90 days of your application submit date; (3) and meet SoFi’s underwriting criteria. Once conditions are met and the loan has been disbursed, the interest rate shown in the Final Disclosure Statement will include an additional 0.25% rate discount because of your involvement with a SoFi partner company at the time of loan origination. Offer good for new customers only. Cannot be combined with other rate discounts, with the exception of a 0.25% autopay, 0.50% discount for Doctors and Dentists, and a 0.25% discount for loan size over 150k. SoFi reserves the right to change or terminate the Rate Discount Program to unenrolled participants at any time with or without notice.

* Fixed rates range from 4.49% APR to 8.99% APR with a 0.50% discount for Doctors and Dentists, 0.25% discount for loan size over 150k, and a 0.25% autopay discount. Variable rates from 4.49% APR to 8.99% APR with a 0.50% discount for Doctors and Dentist, a 0.25% discount for loan size over 150k, and a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates on 5-, 7-, and 10-year terms are capped at 8.95% APR; 15- and 20-year terms are capped at 9.95% APR. 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. These specialized rates are offered to applicants who are physicians or dentists with verified loan amounts of $150,000 or higher with the following degrees: Doctor of Medicine (MD), Doctor of Osteopathic Medicine (DO), Doctor of Medicine in Dentistry or Doctor of Dental Medicine (DMD), Doctor of Dental Surgery (DDS). Not available to residents, fellows, or students. 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. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi. Rate ranges are current as of 11/15/22.

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 rate discount of 0.25%1 for AAP members.

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