The Member Rate Discount must be for a different type of loan, thus it does not apply if you take out another loan of the same type. For instance, if your first loan was a SoFi Personal Loan, you are not eligible to receive the Member Rate Discount on a second SoFi Personal Loan, but you are eligible to receive the Member Rate Discount on a Student Loan Refinance or SoFi Private Student Loan.
SoFi’s Student Loan products (SoFi Undergraduate Loans, SoFi Graduate Loans, SoFi Parent Loans) are considered separate products.
Therefore, a borrower who has previously refinanced their student loans with SoFi is eligible to receive the Member Rate Discount on a different student loan product, such as Medical/Dental Resident Refinance or Private Student Loans.