Student Loan Refinancing Program

As the leader in student loan refinancing, SoFi has partnered with Gates to help you take down student debt with student loan benefits, exclusively for Gates employees and their family and friends.

SoFi consolidates and refinances federal and private student loans in order to offer rates customized to you, creating meaningful savings. Upon refinancing through sofi.com/gates, Gates employees and their family and friends receive a $300 welcome bonus*.

Additional benefits include:

  • Serious savings: Members save thousands by refinancing.
  • Low rates: Low variable and fixed rates with 5, 7, 10, 15 and 20-year repayment options.
  • No extra fees: No application/origination fees or prepayment penalties – ever.
  • Simplicity: Consolidate all existing student loans (federal and private) into a single loan with one monthly payment.
  • Support when needed: Access to live customer support 7 days a week.
  • Membership perks: Exclusive networking events, financial workshops and more.

If you have any questions about SoFi student loan refinancing, please visit sofi.com/gates or contact customer service by calling 855.456.7634 or emailing ask@sofi.com. You can also visit the SoFi FAQ page to learn more.

*Additional terms and conditions apply. If you apply and are approved, the interest rate shown in the Final Disclosure Statement will include an additional $300 welcome bonus because of your involvement with a SoFi partner company at the time of loan origination. Offer good for new customers only. Cannot be combined with other rate discounts, with the exception of the 0.25% AutoPay rate discount. SoFi reserves the right to change or terminate the Rate Discount Program to unenrolled participants at any time with or without notice.

Vault Student Loan Services

It’s important to start saving and investing early for future financial goals. But that’s not always easy to do when student loan payments eat up your budget. You now have access to Vault Advisor*, a new student loan resource that may help you better understand your student loan debt. Explore Vault Advisor: https://app.vault.co/hello/schwab


Important Links

Benefits Support

Contact Information

Employment Verifications

Ethics and Compliance

2026 Benefits Rates

National Suicide Prevention Lifeline

National Alliance of Mental Health

Mental Health Services Administration (SAMHSA) Substance Abuse Helpline

Amaze Health

Important Links

Benefits Support

Contact Information

Employment Verifications

Ethics and Compliance

2026 Benefits Rates

National Suicide Prevention Lifeline

National Alliance of Mental Health

Mental Health Services Administration (SAMHSA) Substance Abuse Helpline

Amaze Health

Benefit Plan Documents

Affidavit of Common Law Marriage

2026 Benefits Guide

Benefits Election Form

Bike Storage Waiver and Release

Business Travel Accident Information

Cancellation of Parking Payroll Deduction

Denver Parking Options

Fitness Center CV19 Waiver and Release

2026 Gates Fitness Reimbursement Form

US Severance Plan SPD

Veterans Preference

Benefit Plan Documents

Affidavit of Common Law Marriage

2024 Benefits Guide

Benefits Status Change Application

Bike Storage Waiver and Release 2021

Business Travel Accident

Cancellation of Parking Payroll Deduction

Denver Parking Options

Fitness Center CV19 Waiver and Release 2021

Gates Fitness Reimbursement Form

US Severance Plan SPD

Veterans Preference