The AAO is now endorsing an improved member benefit. We re-negotiated our agreement with SoFi (Social Finance, Inc.) and SoFi will now provide even greater savings to members who qualify for consolidation and re-financing of their student loans.

SoFi worked with the AAO to update the previous endorsement agreement in order to aid qualifying members as much as possible given the debt load carried by many young orthodontists. In 2018, AAO data showed the average debt load for a graduating orthodontist was greater than $400,000.

Qualifying AAO members now will receive a special 0.25 percent rate discount when refinancing through* This rate discount can be combined with the standard 0.25 percent autopay discount off SoFi’s competitive fixed and variable loan rates.

With SoFi, refinancing is completed entirely online so qualifying AAO members can potentially take advantage of a lower interest rate and enjoy their savings faster.

SoFi should be able to refinance all types of federal and private student loans including Parent PLUS loans. Check your rates (without impacting your credit score) in two minutes at* to see if SoFi can help you.

* You must use the AAO link to receive the discount offer.

The AAO endorses the SoFi refinance student loan program (the “Program”). SoFi pays royalty fees to the AAO for the use of its intellectual property. These fees are used for the general purposes of the AAO. The AAO does not certify, guarantee, or warrant the products, services, or offerings provided by SoFi, its platform or its employees, agents, subcontractors, or vendor. The AAO will not be liable for any indirect, special, incidental, or consequential loss or damage of any kind, including lost profits (whether or not the parties have been advised of such loss or damage) arising in any way in connection with the Program.