John wants you to get $100.

SoFi knows student loans. Now we're making it fast and easy for you to pay as soon as you start your first semester. Plus, you and John will both get $100 when you take out a student loan!

Viewing your rate will not affect your credit score✝︎

Why SoFi?

100% Covered

SoFi will cover all school-certified costs. That’s right—we’re got you covered.

All online. All easy

Finish our fast and easy online application in minutes—and add a cosigner in just a few clicks. Apply even faster for your next loan with our fast track application, which will have most of your info conveniently pre-filled.

Save money.

We offer better rates and more savings. This includes a 0.25% rate discount when you enroll in autopay5, plus an additional 0.125% rate discount6 for families who take out more than one student loan to support multiple kids in college.,

No fees. No fuss

No fees means no fees. That means no origination fees, no late fees, and no insufficient funds fees. Period.

Official Rules

The following describes the terms of service which apply to participation in the referral or account opening promotional programs (collectively, the “Referral Programs“) currently offered by Social Finance, Inc. (“SoFi“) and its affiliates. If you wish to participate in any Referral Program described below, you agree to the terms for such Referral Program described in Part I below, as well as the General Terms and Conditions in Part II, which apply to all Referral Programs.

*Please note that any friend whom you'd like to refer must use your specific product referral link in accordance with the terms and conditions associated with the specific promotional campaign for that link. By clicking “Share Link” and sharing your link with your friend, you agree that you have express consent to send your friend promotional messages about SoFi's products and services. Note you have separate referral links for (1) Personal Loans and Student Loans, (2) Checking and Savings accounts, or (3) Invest products. Only one referral reward and one welcome bonus per new customer, with the exception of referrals for new closed end unsecured installment loans. You will not receive multiple referral bonuses for the same friend taking advantage of multiple promotions, nor will your friend receive multiple welcome bonuses for taking advantage of multiple promotions unless they are for a new closed end unsecured installment loan that your friend has not previously obtained. You will receive an additional referral bonus for the same friend funding a new personal loan, new student loan refinance or new private student loan, provided the friend applies through the specific product's referral link and has not previously obtained that type of closed end unsecured lending product.

Each person referred should be someone you have a direct, personal relationship with. You may not distribute a Referral Link or otherwise solicit anyone through mass email, any form of commercial advertising or other similar means.

SoFi reserves the right to review, investigate, and disqualify anyone from participation in the SoFi Referral Program at any time, and reserves the right to not honor any referral which in our sole discretion was solicited in a manner inconsistent with the spirit or terms and conditions of the SoFi Referral Program.

Furthermore, SoFi Securities reserves the right to seek reimbursement from any customer (including by deduction from their Invest Account) of amounts paid as Referral Bonuses to customers solicited via mass solicitation. Please note that in certain circumstances the deduction of such amounts from their account may result in a negative balance.

Any person referred to a SoFi loan, SoFi Checking or Savings account, or SoFi Credit Card may not have an existing registered SoFi account. A person referred to a SoFi Invest account or SoFi Digital Assets account (for crypto) may have an existing SoFi registered account.

If account funding is required to meet referral bonus payout eligibility, P2P transfers or proceeds of a reward, promotion or similar program are not eligible methods of funding.

To protect the privacy of those you refer, referral prospect account information or eligibility is not, under any circumstances, permitted to be shared with referral promoters.

Program terms—Part I

General terms and conditions—Part II

Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.

✝ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891. ( www.nmlsconsumeraccess.orgOpens A New Window. ). Terms and conditions apply.

SoFi loans are originated by SoFi Lending Corp. or an affiliate (dba SoFi), a lender licensed by the Department of Financial Protection and Innovation under the California Financing Law, license number 6054612; NMLS # 1121636. (www.nmlsconsumeraccess.orgOpens A New Window. )

5 The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.

6 0.125% Family Rate Discount: Terms and conditions apply. Offer good for SoFi private student loan cosigners who have previously borrowed a private student loan from SoFi and are taking out a subsequent loan only, select a term and repayment type that is eligible for the discount, and is subject to lender approval. To receive the offer, you must: (1) complete a loan application with SoFi; (2) meet SoFi’s underwriting criteria. Once conditions are met and the loan has been disbursed, the interest rate shown in the Final Disclosure Statement will include an additional 0.125% rate discount because you have borrowed a private student loan from SoFi in the past. Offer good for existing private student loan cosigners only. Cannot be combined with other rate discounts, with the exception of the 0.25% autopay rate discount and the SoFi Member Discount. Once the family discount benefit is earned, it cannot be lost. SoFi reserves the right to change or terminate the Rate Discount Program to unenrolled participants at any time with or without notice.

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