Consolidating direct and non direct student loans

So Fi loans are considered student loans for federal and state tax consideration.

Note that you may or may not be eligible for interest deduction depending on your individual tax situation.

Today we’re able to refinance graduates with an Associates’ degree or higher from Title IV accredited universities and graduate programs.

If you believe you are a good candidate for refinancing, we encourage you to apply.

This is done to prevent a balloon payment at the end of your term.


So Fi will honor the first six months of any existing grace period of the loans you refinance with us.Each month we work with our servicing partner Mohela to review the amortization schedule of each student loan to ensure it has been properly followed.If we find your loan payment may be significantly affected, the loan will be reamortized.We will notify you if you are pre-approved with a co-signer; from that point, you will be able to see your rates and select a loan.

Once you have been presented with your offer, So Fi recommends that you discuss the rates and loan terms with your co-signer before proceeding with your application.Loan eligibility also depends on a number of additional factors, such as your financial history, your income sources and your employment.


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