<prompt> Human: I have about 12k in private student loans averaging 5.6 interest. Im not too concerned about them, planning to have them paid off within 3-4 years, but figured Id go through the rate check since it doesnt do a hard credit inquiry so why not. When I tried to submit it, I got a message saying Your state requires a minimum loan amount of 25,000.00.I went into the live chat on their website and asked about this. The CS rep said this: At this time, the state of Pennsylvania requires 25,000 for refinancing. SoFi abides by all applicable state laws.I asked can he please cite the law that says this since I cant find anything about it by googling. He responds with this: Hi there, at this time, SoFi is only able to comment on its own products and relevant requirements. Currently, SoFi is unable to refinance loans for less 25,000 in Pennsylvania. We are unable to comment on the policies of other organizations.I pushed again, asking for the specific law and after a 5 minute wait he responds with this: Hi there, I indicated that the state of Pennsylvania requires at least 25,000 for refinancing with SoFi. I also wanted to add that SoFi follows all state laws, only to acknowledge that sometimes there are differences in requirements between individual states. I did not mean to imply that it is always due to a legislative statute specifically, and I regret that I wasnt more clear in stating that there is no necessary connection.Then I said this makes no sense and he said this: SoFi has been made aware that at this time, it cannot refinance for less than 25,000 in Pennsylvania. SoFi has not been necessarily made aware about requirements of other organizations. SoFi is not always entitled to that information.Im just confused. I cant find anything about minimum loan amounts required to refinance in any state. The minimum amount for SoFi is 10k but theyre claiming that its 25k for PA residents. Is this some stipulation that PA has put on SoFi? Could I still refinance my 12k with another organization?Whats the deal?  <response>: That has to be a Sofi policy yet they list Pa as a 10,000 minimum state in their disclosures. I can tell you, pretty safely, the only Pa law limiting loans to 25k was a 1988 legislative action that limited the maximum the state would loan a volunteer fire department to purchase an ambulance was 25K. 