Are there origination or prepayment fees for SoFi loans? February 24, 2020 23:04 No, there are no origination or prepayment fees on SoFi Student Refi loans. Related articles Will making a large payment or additional payments change my monthly due amount? What is the minimum and maximum amount I can borrow with SoFi? Is it possible to refinance both federal and private student loans? When is the best time to refinance? Does SoFi offer a grace period?