<prompt> Human: Hi all,So Im in a pretty crappy student loan situation. Ill save you the details look at my history for that and just say I make good money, but am drowning in student loan debt. My largest loan is at an atrocious 11.125.Someone here suggested I try to consolidaterefi with consolidation.custudentloans.org. I tried but got denied due to high debt to income roughly 1:1. Ive been doing some googling, and found this company, sofi.com. Not your traditional financial institution, but seems legit. No BBB complaints, and have an article written about them in Forbes.Does anyone have experience with them? It seems too good to be true low rates, someone who might loan me something: so I am really just asking if its a scam.Anyone used them before? If not, does anyone have some other ideas as to where I may be able to refinance?  <response>: I dont have personal experience with them, but my coworker refinanced with sofi and is glad she did. I do not think it is a scam, just some entrepreneurs trying to disrupt the student loan market. 