Does SoFi charge fees for the student loan refinance? February 24, 2020 22:23 Updated SoFi does not charge application fees, origination fees, or prepayment penalties for the student loan refinance. Related articles Who will service my loan? Am I eligible for a SoFi Refinance loan? Can I add a co-signer? How do I request a payoff statement? Should I refinance my federal student loan?