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Social Finance ( SoFi ) is a personal finance company founded in 2011 by Stanford Graduate School of Business ( GSB ) graduates Mike Cagney , Dan Macklin , James Finnigan and Ian Brady . Its business is particularly focused on the provision of student loan refinancing , but the company has expanded into mortgages , mortgage refinancing and personal loans . Anthony Noto joined the company as CEO in 2018 , having previously worked at Goldman Sachs and as COO of Twitter . Noto also has financial experience having acted as CFO of the NFL . AUGUST 2019