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.

ABOUT SOFI
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.

HOW TO APPLY
Visit sofi.com/morganstanley 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. **

* 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.

** Visit sofi.com/morganstanley for terms and conditions. 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.