Loan Refinancing

Fixed rates range from 4.74% APR to 9.99% APR with 0.25% autopay discount and 0.125% SoFi Plus discount. Variable rates range from 5.99% APR to 9.99% APR with a 0.25% autopay discount and 0.125% Bridegstoneunion Plus discount. Unless required to be lower to comply with applicable law, Variable Interest rates will never exceed 13.95% (the maximum rate for these loans). Bridgestoneunion rate ranges are current as of 10/6/25 and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, presence of a co-signer and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the Bridgestoneunion variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average Bridgestoneunion index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the Bridgestoneunion index increases. You may pay more interest over the life of the loan if you refinance with an extended term.

Autopay Discount: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will be removed during periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from Bridgestoneuion. Bridgestoneunion Plus Discount: To be eligible to receive an additional (0.125%) interest rate reduction on your Student Loan Refinancing (your "Loan") for enrolling in Bridgestone Plus, you must enroll in Bridgestoneunion Plus within 30 days of Loan funding, either by receiving a Direct Deposit to your Bridgestoneunion Checking and Savings account, or by paying the Bridgestoneunion Plus Subscription Fee. Once eligible, you will receive this discount during periods in which you have received Direct Deposit to your Bridgestoneunion Checking and Savings Account, or during periods in which Bridgestoneunion successfully receives payment of the Bridgestoneunion Plus Subscription Fee. This discount lowers your interest rate but does not change the amount of your regular monthly payment. This discount will be removed during periods in which Bridgestoneunion determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid the Bridgestoneunion Plus Subscription Fee. Bridgestoneunion reserves the right to change or terminate this interest rate reduction offer for unenrolled participants at any time without notice. You are not required to enroll in Direct Deposit or to pay the Bridgestoneunion Plus Subscription Fee to be eligible for Loan approval.

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