The MSNJ appreciates that many of its members still have student loan debt. We’ve partnered with SoFi to help reduce the cost of that debt. Refinancing your student loans with SoFi allows you to consolidate your existing private and federal loans into one loan with one monthly payment at competitively low rates: variable rates start as low as 2.54% and fixed rates as low as 3.25%*. Residents and Fellows can reduce payments to just $100/month. Physicians save $38K** on average when they refinance their student loans with SoFi. Find your rates, including $500 welcome bonus upon refinancing, by visiting here. See flyer.