Member Advantage Program

Take Advantage Now!

Made possible through collaboration with some of the most prestigious and well-respected companies in their industries, the AAOS Member Advantage Program provides members with practical, money-saving solutions for personal and professional stability, revenue management and personal financial protection.

SoFi Student Loan Refinancing

AAOS has partnered with SoFi to offer members a 0.25% rate discount when they refinance through For many in the medical community, student debt is an unavoidable burden. SoFi evaluates borrowers holistically to offer low rates that ultimately can save borrowers thousands. You can check your rate in 2 minutes with no impact on your credit score at

Residents and fellows can refinance and pay $100/month while in residency for up to 54 months!

Benefits include:

  • Discount: AAOS members, friends and family receive a 0.25% rate discount upon refinancing through
  • Savings: SoFi borrowers can save thousands when they refinance to a lower rate or shorter repayment term.
  • Great Rates: Low fixed and variable rates available.
  • Simplicity: SoFi can refinance both federal and/or private student loans with an easy online application that can be completed quickly.
  • No Fees: No application fees, no origination fees and prepayment penalties.
  • Perks: SoFi offers career counseling, unemployment protection and member events.

There's no obligation/impact on your credit score to check your rates in 2 minutes at

Questions? Reach out to SoFi at (833)277-7634 or email

Member Insurance

AAOS members now have access to high quality insurance products available to you at affordable group rates!

  • Tail Insurance
  • 10-Year Term Life Insurance
  • Individual Disability Income Insurance (includes "own occupation" policy)
  • Long Term Care Insurance

How Can I Learn More?
Visit Pearl Insurance/AAOS for complete details and informative downloads.

Speak with an AAOS Member Insurance Program Representative directly at 866.679.0888, or email  to send questions or have a Representative call you when it's convenient for you.

Disclaimer: While AAOS acknowledges the benefits conferred by Member Advantage Programs, you should investigate the appropriateness of such products/services for your particular use. AAOS makes no guarantees and has no obligations with regard to any such products/services and is not responsible for any loss of any nature arising out of your use or inability to use the products/services offered by any of the Member Advantage Programs.
Disclosure of Compensation: AAOS has entered into agreements with each of the Member Advantage Programs whereby the Association receives royalties from such Member Advantage Programs. These royalties may be based on revenues from products and services purchased by AAOS members.