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Just for Members

Take control of your finances by refinancing your student loans or paying off high-interest debt with low-rate loans through SoFi.

Student Loan Refinancing

Special offer — Save on your student loans and Federal Parent PLUS loans by refinancing with low fixed and variable rates. ASRT members get a $300 cash bonus* when they refinance their student loans.

Personal Loans

Pay off high interest debt, like credit cards, or make a major purchase with low fixed-rate personal loans. ASRT members get a $200 cash bonus* when they fund their personal loan.

Maximize your savings and get a .25% interest rate discount when you select autopay as your payment method.

Terms and conditions apply.

Due to recent events, including changes to federally held loans that temporarily waive interest and suspend obligation to make payments during the COVID-19 crisis, SoFi is recommending that anyone with federal student loan debt carefully review your current and potential future benefits on your federal loans before refinancing. When you refinance your loans, you waive any current and potential future benefits of your federal loans, including temporary waiver of payments that the federal government will provide to federal student loan borrowers, and replace those with the benefits of a SoFi Student Loan Refinance.

Member Perks are a member-only benefit.

Log in at the top of the page to access Member Perks discounts.
Not a member? Join ASRT today.

See what SoFi can do for you and your finances.

Visit to learn more and to calculate your rate. You must apply through this page to access the cash back offers for ASRT members.

Allow up to four weeks for the delivery of the cash bonus. You must provide your bank account information in order to receive your cash bonus. If you did not enter your bank account information while setting up your SoFi account, log in to your SoFi borrower dashboard, click "Learn More" in the "Sharing is Caring" section. Select "Connect Account" to enter your bank account information and sign a W-9. Call SoFi customer service team at 833-277-7634 with questions or to get additional instructions.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (

*Terms and conditions apply. Offer is subject to lender approval. To receive the offer, you must: (1) register and/or apply through the referral link you were given; (2) complete a loan application with SoFi; (3) have and provide a valid US bank account to receive bonus; (4) and meet SoFi’s underwriting criteria. Once conditions are met and the loan has been disbursed, you will receive your welcome bonus via automated clearing house (ACH) into your checking account within 30 calendar days. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year may be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time with or without notice.