Does SoFi offer a grace period? February 24, 2020 22:56 Updated SoFi will honor the first six months of any existing grace period of the loans you refinance with us. Related articles Is it possible to refinance both federal and private student loans? Does SoFi offer loan deferment if I go back to school? Can my spouse and I refinance and consolidate all of our loans into one? What is the minimum and maximum amount I can borrow with SoFi? Are there origination or prepayment fees for SoFi loans?