I refinanced my student loans with them years ago (about 70k of them at least). Back then SOFI was cool. They were throwing parties for borrowers and giving away swag. Spoiler: the service was so shitty and easily beat that I refinanced again with another loan servicer that I am much happier with. They took my 8-9% 25 year loans for about 70k and I went with a 6.25% variable for 15 year package. My interest rate was raised every month until about 10 months in, I was over 7.5% again. At that point I refinanced again. IMO SOFI peaked in 2017 and got lucky during the pandemic.

Edit: sell your calls homie. Any student loan borrower who actually got an education will be able to find better fintech.

Is it that different though?