Refinance Your Student Loans

2024 Plan Information

Refinance Your Student Loans

The Firm is pleased to offer qualifying employees and their spouses or domestic partners a student loan consolidation and refinancing service. Administered by SoFi, the program reduces your loan repayments by consolidating and refinancing your federal and private loans into one loan at a lower interest rate. As a Morgan Stanley employee, you and your spouse or domestic partner will receive an additional 0.25% interest rate reduction when you refinance your student loans with SoFi.

This benefit is also available to employees’ spouses and domestic partners. Employees can also refinance an existing Parent PLUS loan, or co-sign for their children’s student loans.

  • 0.25% rate discount
  • Flexible terms and low rates
  • Student loan consolidation into a single loan with one monthly payment
  • No application fees or payment penalties for paying off your loan early

SoFi is the leading provider of student loan refinancing, with over $2 billion in loans funded for 26,000+ members. Borrowers save an average of $11,738** when they refinance with SoFi.

Visit from a personal device and follow the steps outlined below. You must start your application through this link to receive the 0.25% interest rate reduction available to Morgan Stanley employees and their family members. SoFi takes a number of factors into consideration when evaluating your application, including your education, employment history, income and credit rating. ***

For questions, email or call 833-277-7634.


*0.375% rate discount for refinancing your student loan: 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 this landing page by 12/15/23; (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 0.375% 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 the 0.375% autopay rate discount. SoFi reserves the right to change or terminate the Rate Discount Program to unenrolled participants at any time with or without notice.

** Savings calculation is based on SoFi borrowers who refinanced between 5/21/14 and 7/2/14. Prior to refinancing, these borrowers had on average a $71,000 loan balance, a rate of 7.07% and a lifetime payment of $99,239, assuming the standard Direct Loan term. After refinancing, these borrowers have an average lifetime payment of $87,456 based on a weighted average of new rates received across both types (fixed and variable) and all terms offered by SoFi with AutoPay. Savings calculations assumes borrowers make all payments in a timely manner and do not prepay.

*** 0.25% rate discount terms and conditions apply. See important details at Student Loan Refinance Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891. Morgan Stanley has no input on the final outcome of any loan application. While SoFi aims to ultimately improve financial services for everyone, today they are able to offer student loan refinancing only to highly qualified applicants who meet a number of criteria.