Does SoFi offer a grace period? February 24, 2020 22:56 Updated Follow SoFi will honor the first six months of any existing grace period of the loans you refinance with us. Related articles Does SoFi offer loan deferment if I go back to school? Is it possible to refinance both federal and private student loans? 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?