I refinanced with SoFi a year ago. Experience was all positive, and they have offered some free perks over the last year. Kind of random stuff--we went rock climbing and got free dinner one night, and there have been several happy hours. I've also received several free t-shirts.
While that stuff is nice, I'm really in this game to get my loans paid off for the lowest cost. To that end, I just refinanced with Earnest. They offered me a substantially lower interest rate. I even gave SoFi an opportunity to keep me as a customer, but they couldn't match Earnest.
Earnest does a pretty comprehensive review of your complete financial posture, so I would imagine this would benefit many people on this forum. They aren't just looking at debt-to-income. All of your savings are going to play a factor as well. I assume that's why my rate was much better with Earnest than with SoFi.
Also, if you live in a state where it is permitted, Earnest also lets you switch between fixed and variable rate. That was a huge selling point to me up front, but it turns out it isn't permitted in my state.
Anyway, if anyone wants a $200 cash bonus (direct deposited into your checking account), you can earn one by using this referral link: https://www.earnest.com/invite/eric1814