Federal loan interest rates

Sharad RSharad R Member

I'm considering refinancing my federal loans with SoFi as well, if the interest rates are lower than what they're currently at. But when I go through the initial process, the site provides a set interest rate (same as the rate provided for my private loans). I do not want to go through the entire process IF there isn't going to be any change to that interest rate from what's initially provided, as that would also mean a hard-inquiry on my credit report. My question is:
1. Does the interest rate change once I provide the current loan account information to SoFi?
2. Is there a difference between interest rates when we refinance federal loan vs private loan?
3. Is there any way to know the interest rate, prior to hard-inquiry on the credit report?

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