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Earning straight A’s in college is a goal that many students aspire to, but it can seem daunting and overwhelming. However, with the right strategies, time management, and a bit of perseverance, it’s entirely achievable.

With the cost of college still rising (counting room and board, a private college can run up to $80,000 per year, and a public college, up to $30,000 or more), getting straight A’s can help you in key financial ways. It can put you on track for a lucrative career or give you an edge in a competitive internship field.

Keep reading for tips on how to get all A’s in college, what it means for future employers, financial benefits of getting straight A’s in college, and more.

What Is a 4.0 GPA in College?

Your GPA (Grade Point Average) is a number that reflects your academic standing based on the grades you receive in all classes. The scale starts at the top with 4 (for an A), 3 (B), 2 (C), 1 (D), and O (for F, or failing). A 4.0 GPA means you aced every class and got straight A’s in college.

Do Colleges Care About Straight A’s?

To get in the college door, the answer is often yes. Many college admissions teams do notice straight A’s in a quest to enroll the best and brightest high school students.

Once you are on campus, your college may not expect all A’s, but some colleges and universities may require a minimum GPA in introductory courses before allowing students to declare a popular major that typically brings lucrative returns later. The list may include mechanical engineering, computer science, nursing, finance, and economics. These universities want students of the highest academic caliber for the highest-earning majors.

Another reason colleges care about your grades is because you need to maintain a certain GPA to continue to qualify for federal student aid. In order to maintain eligibility for federal student aid, including federal loans and grants, students need to meet their school’s standards for Satisfactory Academic Progress (SAP). Each college is allowed to set its own minimum GPA.

Merit scholarships may also have minimum GPA requirements, so maintaining a high academic standard may be important for maintaining eligibility for merit awards as well.

Recommended: A Complete Guide to Private Student Loans

Do Employers Look at Your GPA?

GPA, a benchmark once widely used by employers, is now considered by just 37%, according to a 2023 survey by the National Association of Colleges and Employers (NACE). That’s a dip from 2019, when, according to NACE, nearly three-quarters of respondents said they used GPA to identify promising candidates.

According to NACE, the trend away from using GPA appears to reflect awareness that GPA screening may not build an inclusive workforce and can be a disadvantage to students who balance school with work and other responsibilities. Also, as employers compete for talent, they are reevaluating long-used screening tools.

How Hard Is It to Get a 4.0 in College?

Whether you’re getting all A’s often depends on your major, the courses you take (organic chemistry, anyone?), and even the college you attend. But chasing a 4.0 can be hard on your life balance. If all you do is study, with no sleep, social life, or campus activities, your health and mental well-being may suffer.

Instead of overemphasizing your GPA, it may help to also focus on how you’re challenging yourself. A GPA is just one measure of your coursework.

Tips for Getting All A’s in College

If you are after all A’s, this action plan could help you achieve your goal.

Select a Major That You Are Passionate About

College is the time to immerse yourself in subjects that enthrall, inspire, and move us, whether that means microbiology or British literature. But if your mind is in the art world and your nose is in a sociology book, your interest can wane and you may be far less likely to excel. Choose a major that ignites your brain power and A’s will be more attainable.

Time Your Classes Well

When are you most alert? Are you wide awake in the morning and dragging by the evening? Schedule classes accordingly. Can you focus on a weekly 3-hour seminar or would you do better with a shorter class that meets more often? Know yourself and how you learn and work most productively.

Take Advantage of Professors’ Office Hours

If a calculus formula is not crystal-clear or you want to talk a little more about that short story structure, stop by your professor’s office during posted hours or pop in virtually if that’s an option. Professors post hours so students can get the help they need.

Practice Good Time Management

Make an organized schedule. Use Google Calendar on your phone or get an actual planner with paper pages. Don’t double-book time slots, whether for a study/coffee date with a classmate or your shift at the campus newspaper.

Closely Track Grades

Don’t wait until the end of the semester to see what your average is in your classes. Keep up to date on every grade and pump up your study efforts if necessary.

Set Study Time Blocks

Build in study blocks wherever and whenever possible. Several short sessions can be as productive as one long one. Review and study notes from day one to start building a bank of knowledge. When studying, turn off your phone and leave it in your backpack. Avoid looking at emails or other digital distractions. Take notes on relevant readings and review and organize class notes each week so you don’t have to cram come exam time.

Plan your study location based on the lowest possible risk of distractions, such as the school library. Adjust times and places as needed, and be flexible. Maybe 30 minutes at a coffee shop between classes is all you have one day, but if you block out two hours to study, stick to it. Consider enlisting a study buddy.

Benefits of Getting Straight A’s in College

Excelling in your classes can bring perks like these.

Dean’s List Recognition

The dean’s list, a term dating to the early 14th century, comes from the Latin decanus (“head of a group of 10 monks in a monastery”). You, of course, are at college, not a monastery, but you are at the head of the class when you make the dean’s list.

The distinction is usually reserved for full-time students at a specific GPA. Being on the dean’s list could help you stand out in a field of applicants for internships and seasonal jobs. Consecutive semesters on the list show you can achieve and maintain high standards.

Scholarships and Grants

Straight A’s can potentially translate into money to help pay for college. Unlike loans, which must be repaid, scholarships and grants are free money that can be used to cover tuition, books, and other educational expenses. These awards are often merit-based, meaning they are given to students who demonstrate exceptional academic performance, leadership, or other achievements.

To apply for scholarships and grants, start by researching available opportunities through your college’s financial aid office, online databases, and local organizations. Once you identify potential scholarships and grants, carefully review the eligibility criteria and application requirements. Tailor each application to highlight how you meet the specific criteria and stand out as a candidate. Submit your applications well before the deadlines to avoid last-minute stress and ensure they are complete and polished.

The Takeaway

Getting all A’s in college can bring big benefits, from helping you secure a place in a crowded major with lucrative career returns (such as engineering or computer science) to earning you a place on the dean’s list, a marker that helps you stand out in a competitive internship field. With the right study skills, you can seriously up the odds of acing your classes.

Hopefully, good grades will award you scholarships, but if not, there are other ways to help pay for college. You can use cash savings, grants, federal student loans, and private student loans.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

FAQ

What is a 4.0 GPA in college?

A 4.0 GPA in college represents a perfect academic performance, where a student has achieved the highest possible grades in all courses. This grade point average is calculated on a 4.0 scale, with 4.0 being the equivalent of an A or A+ in every class, indicating exceptional academic excellence and consistency.

How do you become a straight-A student?

Becoming a straight-A student involves consistent effort and effective strategies. Attend classes regularly, take thorough notes, and stay organized. Set clear goals, manage time wisely, and prioritize studying. Engage actively with the material, seek help when needed, and maintain a healthy balance between academics and personal life. Persistence and a strong work ethic are key.

Do colleges care about straight A’s?

Colleges may not care if you get straight A’s, but some schools may require students to have a minimum GPA in introductory courses before allowing them to declare a popular major that typically brings lucrative returns in the work world. The list includes mechanical engineering, computer science, nursing, finance, and economics. Another reason to watch your GPA is that federal student loans and many scholarships and grants have a minimum GPA requirement.

Photo credit: iStock/Luis Echeverri Urrea

SoFi Private Student Loans
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.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SOISL-Q325-032

While it can be a challenge to keep up with both work and school, getting a part-time job while in college can help you cover your expenses and gain valuable work experience at the same time. In addition, some employers may even offer to pay a portion of your college tuition as a part of their benefits package.

There are all kinds of jobs for college students — from on-campus jobs with regular hours to side gigs you can do in your spare time. While students often find work in the retail and service industry, it’s also worth exploring other avenues for employment, including office work and even jobs related to your field of study.

Read on for a basic guide to finding a job that can help you pay for college.

Part-Time Jobs That Help Pay for College

Working part-time while you’re in college can help you pay for tuition and other expenses. These jobs typically offer flexible hours, allowing you to work around your class schedule.

You might start your search for jobs that help pay for college with businesses you already know and love. For example, you could see if your favorite cafe is hiring or ask about opportunities at the yoga studio you love. Even if they don’t have a paying position, some small businesses offer “service swaps” where you might be able to score free coffee, meals, or exercise classes for some light work. It pays to ask!

Here’s a look at other job opportunities that can help students earn money for college.


💡 Quick Tip: Make no payments on SoFi private student loans for six months after graduation.

On-Campus Jobs

Colleges and universities hire students for a variety of jobs on campus. Part-time on-campus jobs are not only convenient but typically provide flexibility so you can work around your class schedule. Plus, a lot of on-campus jobs can help you build relevant skills that will serve you after graduation.

The career center at your school will likely have lots of resources that can help you find employment on campus, including an online job board. Your school can also help you find a job campus through the Federal Work-Study program. To see out if you’re eligible for work-study, which is a needs-based program, you need to fill out the Free Application for Federal Student Aid, or FAFSA®.

Below is just a sampling of on-campus job options you might consider, plus what they pay, on average, per hour:

•   Administrative assistant: $22.82 per hour

•   Teaching assistant: $17.00 per hour

•   Research assistant: $23.90 per hour

•   Fitness or recreation center attendant: $17.01 per hour

•   Lifeguard: $14.60 per hour

•   Peer tutor: $19.27 per hour

•   Library assistant: $16.36 per hour

•   Campus tour guide: $17.31 per hour

Paid Internships

Your school’s career center may also be able to provide information about internship opportunities in your field of study. Some college internships provide college credits, which can help you pay for college by reducing your tuition bill. In other cases, internships are paid. On average, college interns in the U.S. earn $22.06 per hour.

If you don’t want to work during the school year, summer can be a great time to focus on a career-boosting internship without distracting you from your coursework. Some summer internships may even pay more than $9,000 per month.

Securing a paid internship tends to be competitive, so it can be wise to apply early and make sure your application materials are compelling and complete. Internships can provide valuable learning opportunities and some of the top-rated internships even offer the opportunity for future full-time employment.

Serving, Bartending, or Other Service Jobs

Many college students work part time in the service industry because the hours are flexible and you can often earn tips in addition to an hourly pay. This can be especially helpful during peak hours and holidays because your income could be higher than usual. Here’s a look at some service jobs and their average hourly pay and tips:

•   Barista: $16.74 per hour (plus $20 in tips per day)

•   Restaurant server: $15.36 per hour (plus $100 in tips per day)

•   Restaurant host: $12.09 per hour (plus $35.00 in tips per day)

•   Bartender: $12.55 per hour (plus $150 in tips per day)

Retail Jobs

If you’re looking for a part-time job that will help pay for college, you might consider working in a local boutique or other type of retail store. These jobs also provide you with valuable human and workplace skills that can be used later in your professional career.

A retail sales associate is typically required to set up store merchandise and assist customers with their shopping needs. You also might even be able to get employee discounts or earn a commission. The average retail sales associate salary in the U.S. is $14.30 an hour.

Tutoring

You’ve been hitting the books and now it’s time to put all of that newfound knowledge to good use. You may be paying for your education, but there are also people out there willing to pay you to share what you’ve learned, which can help make college more affordable. Consider tutoring other college students or younger students in your area of expertise. Rates will vary based on location, subject matter, and your experience level. On average, private tutors earn $25 to $80 an hour.

Virtual Assistant

Sometimes small businesses and entrepreneurs need someone who can answer their emails, perform odd jobs online, and otherwise provide administrative support virtually. You might look for these gigs online or through your school’s career development office. Before you take on a role, it’s important to know what’s expected: Are they looking for someone to be available during specific hours or could you get everything done on your own time? On average, a virtual assistant makes $24.40 an hour.

Recommended: 3 Summer Jobs Ideas for College Students

Babysitting or Caregiving

Babysitting can be another job option to help pay for college if you’re looking for flexibility. You can schedule jobs for weekends or nights if you’re worried about work conflicting with your school schedule. As a bonus, you may be able to squeeze in some studying while the little ones are asleep. On average, part-time college nanny jobs pay $20 (or more) an hour.

Keep in mind that caregiving isn’t just limited to little kids. You may find meaningful roles working with elderly or ill people who need help, either with day-to-day tasks or with errand running, housekeeping, or even just keeping someone company while they shop. On average, a part-time caregiver earns $16 an hour.

Dog Walking

Having flexibility during the day can mean everything for people who work 9 to 5 and need someone to care for Fido. Consider working for a walking service rather than striking it out on your own: It may provide guaranteed hours or jobs, so you can get to know the pooches you work with. The average salary for a dog walker in the U.S. earns $17 per hour.

Ridesharing or Delivery Driving

Driving for a ride-sharing or delivery service can be a good option during college, since you can generally set your own hours and fit the job into your schedule. How much you could make will depend on your location and the times you’re available to drive. Many Uber drivers make between $15 and $28 per hour, while the average hourly wage for food delivery drivers nationwide is $18 per hour.

It can also be helpful to talk to locals to get the lay of the land — national earnings surveys may be very different from your local area, and it can be helpful to anticipate just how much demand there might be before you sign on.

Recommended: 11 Ways to Make Money While You Drive

Freelance or Start a Side Hustle

If you have a sought-after skill or talent, such as writing, website design, photography, or coding, you might consider starting your own freelance business or side hustle. You can advertise your skills on a freelance platform like Fiverr or Upwork. Or, you could solicit clients in your community. For example, you might be able to build a website for a local small business or get hired to manage an off-campus store’s online brand and marketing.

Consider Companies That Help Pay Your Tuition

Part-time jobs can be one option to help you pay for college, but what if you can find a job that not only pays you a salary but also pays for tuition? There are some major companies that offer stipends or reimbursements toward college tuition or expenses like books, even for part-time employees.

Employers generally offer tuition assistance in one of three ways:

•   Tuition reimbursement: Here, the company reimburses you for tuition you’ve paid. There may be a tuition cap and/or a requirement to work a certain number of hours or months before the benefit kicks in.

•   Direct payment: Some employers will pay eligible college costs directly to the school. In some cases, they only partner with certain schools.

•   Scholarships: Some employers offer education scholarships to employees for a set amount of money. You typically need to submit an application for the award and may also be required to maintain a certain GPA.

Here are some national companies that have well-publicized tuition assistance policies:

Chipotle

At Chipotle, tuition reimbursement (up to $5,250 each year) is available for both part-time and full-time employees. They also offer a Debt-Free Degree program, which covers the full cost of a four-year degree at one of 10 universities. Typically, employees must work at least 15 hours a week for four months to qualify for tuition benefits.

Smucker’s

Smucker’s helps employees further their knowledge and skills by reimbursing them for some of the costs of qualifying continued and/or higher education. The company also offers a scholarship program for children of employees.

Publix

At Publix, associates with 90 days of continuous service who work an average of 10 hours a week are eligible to participate in the company’s tuition reimbursement program. The program covers graduate and undergraduate degree coursework, as well as some individual courses, online programs, and technical training.

Starbucks

Starbucks is often featured on these lists for a reason: They partnered with Arizona State University (ASU) to create the Starbucks College Achievement Plan, which offers 100% tuition coverage for a first-time bachelor’s degree through Arizona State University’s online program. All employees eligible for benefits (this includes part-time employees) may take advantage of this program.

If an employee doesn’t qualify for admission to ASU, they can take part in the Pathway to Admission program, which will help them qualify for admission, tuition-free.

UPS

UPS offers a tuition assistance program at most locations in the U.S. Through their “Earn and Learn” program, you can receive up to $5,250 per calendar year, with a lifetime maximum of $25,000. There are no course or subject restrictions.

Walmart

Walmart will pay 100% of tuition and books for an associate or bachelor’s degree program through several online accredited universities. This benefit is available to hourly part-time and full-time associates without a prior bachelor’s degree starting on day one.

Amazon

Amazon offers tuition assistance for employees seeking a bachelor’s degree, a high school GED, or English-as-a-Second-Language (ESL) proficiency certification. You’re eligible for the program after 90 days of employment for as many years as you work in a regular, full-time role at Amazon.

Recommended: Finding Jobs That Pay Off Student Loans

Think About Your First Job Out Of School

Another benefit of finding a job that helps pay for college is you can figure out what you do (and don’t) want to do for a living. It can also be helpful to assess certain job paths, including how much they may pay entry-level employees. While there are always lists of most and least lucrative majors, the reality is that your major doesn’t necessarily determine your career. Talk to alums and people a few years out of school and have them give you the lowdown on their job path.

When looking for your first full-time job out of college, it’s also important to consider not just your salary, but what benefits may come into play. For example, many companies now offer employees assistance in paying off student loans. How it works varies by company, but the typical plan offers matching funds or a predetermined recurring monthly payment towards your loan. Usually, there’s a maximum dollar amount you can receive and some employers require a minimum amount of time on the job.


💡 Quick Tip: Would-be borrowers will want to understand the different types of student loans that are available: private student loans, Federal Direct Subsidized and Unsubsidized Loans, Direct PLUS Loans, and more.

The Takeaway

The combination of scholarships, student loans, and a part-time job can help you cover the cost of going to college for four (or more) years. A part-time job will not only help you earn some money, but it could also help boost your resume.

In addition, some companies offer tuition reimbursement or assistance programs for part- or full-time employees pursuing higher education. These programs may have specific requirements, such as attending a certain school or working a set number of hours per week, so be sure you understand the requirements.

Outside of help from an employer, ways to pay for college include working a part-time job, scholarships, grants, and federal and private student loans.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

FAQ

How do you ask a company if they offer tuition reimbursement?

To find out if a company offers education benefits like tuition assistance, you can talk to your manager or HR representative (if you already work there). If you’re in the interviewing process, you can ask the recruiter or hiring manager. You can also check the company’s website (often they will describe their benefits, including who is eligible and any other stipulations).

What are the disadvantages of tuition reimbursement?

One disadvantage of tuition reimbursement is that you typically need to pay for your classes upfront, then submit the bill to your company for reimbursement. Some tuition reimbursement programs also have strict requirements and limitations, such as a cap on the amount of money that can be reimbursed, or only covering certain types of courses or degrees.

Also keep in mind that balancing work and courses can also be challenging for some employees to manage successfully.

Why would a company offer generous tuition reimbursement?

Many companies offer generous tuition assistance programs in order to attract, develop, and retain high-performing employees.

SoFi Private Student Loans
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.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SOISL-Q325-034

Student loans — federal or private — begin accruing interest when they’re disbursed, with the exception of Federal Direct Subsidized Loans.

Understanding when student loans start accruing interest is essential for managing college costs and planning your financial future. Interest can begin accumulating at different times depending on the type of loan — federal or private, subsidized or unsubsidized — which can significantly impact the total amount you repay over time.

Knowing the rules around interest accrual can help you make smart decisions about borrowing, repayment, and even early payments while still in school. Keep reading when and how student loan interest starts to add up so you can stay informed and avoid unwanted surprises.

Interest Accrual Basics and Exceptions

As a general rule, interest begins accruing on a student loan as soon as it’s disbursed. While the repayment of the loan is usually subject to a grace period (detailed later in this article), the interest continues to accrue even while the payments are paused.

The one exception is when certain loans are in deferment. Interest usually does not accrue on the following types of loans while they are in deferment:

•   Direct Subsidized Loans

•   Perkins Loans

•   The subsidized portion of Direct Consolidation Loans

•   The subsidized portion of Federal Family Education Loan Consolidation Loans

What Triggers Interest Accrual on Federal Loans?

Student loan interest on most federal student loans begins to accrue as soon as the loan is disbursed, which is typically when the funds are sent to your school. This means that even while you are still in school, interest is accumulating on your loans, though you may not have to make payments until after you graduate or drop below half-time enrollment.

For federal subsidized loans, interest is triggered when a borrower enters repayment, typically after the end of the grace period following graduation, leaving school, or dropping below half-time enrollment.

Interest-Free Periods and Deferments

Certain federal student loans, such as Direct Subsidized Loans mentioned above, offer interest-free periods during specific times in a borrower’s academic and post-academic journey. While enrolled in school at least half-time, during the six-month grace period after leaving school, and during qualifying deferments, the federal government pays the interest on subsidized loans.

Student loan deferment allows borrowers to temporarily postpone loan payments due to qualifying circumstances such as returning to school, unemployment, economic hardship, or active military duty. For subsidized federal loans, deferment can also pause interest accrual, which provides financial relief without increasing the loan balance.

The Basics of Student Loan Interest

A student who takes out a student loan (or a parent who takes out a parent-student loan in their own name) signs a promissory note outlining all the terms of the loan, including the loan amount, interest rate, disbursement date, and payment schedule.

Federal student loans issued after July 1, 2006, have a fixed rate. The repayment default is the standard 10-year plan, but there are options, such as income-based repayment or a Direct Consolidation Loan, that can draw out repayment to double that or more.

Private student loans are not eligible for federal income-driven repayment plans. Interest rates on private student loans may be fixed or variable, and are based on your — or your cosigner’s — financial history. The repayment term can be anywhere from five to 20 years.

Recommended: How Do Student Loans Work?

Interest and Grace Periods by Loan

Capitalized interest on student loans can significantly increase how much a borrower owes. This is when a lender adds unpaid interest to your principal loan balance and then charges interest on your larger balance.

The Department of Education implemented new regulations in July 2023 eliminating all instances of interest capitalization that are not specified in the Higher Education Act of 1965 (HEA). That means federal student loan interest capitalization on subsidized loans no longer occurs when a borrower first enters repayment status following the grace period.

A federal student loan borrower who exits a period of deferment on an unsubsidized loan or who overcomes a partial financial hardship on an income-based repayment plan may face capitalized interest charges. Federal student loan interest capitalization can also occur upon loan consolidation. These are the few instances where federal law requires interest capitalization.

Fixed interest rates on newly disbursed federal student loans are determined by formulas specified in the HEA. These are the rates and loan fees (deducted from each disbursement) for the 2025–26 school year:

•   6.39% for Direct Subsidized or Unsubsidized Loans for undergraduates

•   7.94% for Direct Unsubsidized Loans for graduate and professional students

•  8.94% for Direct PLUS Loans for graduate students, professional students, and parents

Recommended: Types of Federal Student Loans

Unsubsidized Student Loans

Federal Direct Unsubsidized Loans are available to undergraduate and graduate students with no regard to financial need.

Loan fee: 1.057%

Grace period: While you’re in school at least half-time and for six months after graduation.

Subsidized Student Loans

Federal Direct Subsidized Loans
are available to undergraduates who demonstrate financial need.

Loan fee: 1.057%

Grace period: While you’re in school at least half-time and for six months after you leave school. The government pays the interest during those grace periods and during any deferment.

Direct PLUS Loans

Taken Out by a Parent

A Parent PLUS Loan acquired to help a dependent undergraduate is unsubsidized.

Loan fee: 4.228%

Some private lenders refinance Parent PLUS loans at what could be a lower rate.

Grace period: First payment is due within 60 days of final disbursement, but a parent can apply to defer payments while their child is in school at least half-time and for six months after.

Taken Out by a Graduate Student or Professional Student

Grad PLUS Loans are available to students through schools participating in the Direct Loan Program.

Loan fee: 4.228%

Grace period: Automatic deferment while in school and for six months after graduating or dropping below half-time enrollment.

Private Student Loans

Some banks, credit unions, state agencies, and online lenders offer private student loans.

Rate and fee: Rates can be fixed or variable, and rates and fees vary by lender

Grace period: Student loan interest accrual begins when a private student loan is disbursed, but payments may be deferred while a borrower is in school.

Recommended: Private Graduate Student Loans

How Is Interest on Student Loans Calculated?

Student loans typically generate interest every day. Your annual percentage rate (APR) is divided by 365 days to determine a daily interest rate, and you are then charged interest each day on the total amount you owe.

That interest is added to your total balance, and you’re then charged interest on the new balance — paying interest on interest until the loans are paid off.

If you don’t know what your monthly payments will be, a student loan payment calculator can help. This one estimates how much you’ll be paying each month so you can better prepare for your upcoming bills.

The amount you pay each month will be the same, but the money first goes toward paying off interest and any fees you’ve been charged (like late fees); the remainder goes to pay down the principal of the loan.

As you pay down your loan, because the principal is decreasing, the amount of interest you’re accruing decreases. And so, over the life of your loan, less of your monthly payment will go toward interest and more will go toward the principal. This is known as student loan amortization.

Fixed vs. Variable Interest Rates

Federal student loans have fixed interest rates, but private student loans can have fixed or variable rates. A fixed interest rate remains the same throughout the life of the loan, providing predictability and stability in your monthly payments. This can be advantageous if you prefer a consistent budget and want to avoid the risk of interest rate fluctuations.

On the other hand, a variable interest rate can change over time, typically in response to market conditions. While this can result in lower payments if rates decrease, it also carries the risk of higher payments if rates rise. Understanding the pros and cons of each can help you make an informed decision that aligns with your financial goals and risk tolerance.

Capitalization of Interest

Capitalization of interest on private student loans occurs when unpaid interest is added to the loan’s principal balance, typically after periods of deferment, forbearance, or when a borrower begins repayment. This means future interest is calculated on a higher principal amount, which can significantly increase the total cost of the loan over time.

Unlike federal loans, where capitalization rules are clearly defined and sometimes limited, private lenders set their own policies — often capitalizing interest more frequently or under broader circumstances.

How You Could Save on Interest

Because interest can add up so quickly, it’s important to pay attention to the interest rates you’re paying on your student loans.

Student loan refinancing — taking out a brand-new loan that pays off your current loans — can lower the amount of interest your loans accrue if you qualify for a lower interest rate or a shorter term.

Even a small difference in interest rates could help you save a substantial amount of money paid in total interest over the life of the loan, depending on the term you select. To see how refinancing might save you money, take a look at this student loan refinance calculator.

It’s important to know, though, that refinancing federal student loans will make them ineligible for federal benefits like income-driven repayment plans and Public Service Loan Forgiveness.

Making Payments During School or Grace Period

Making student loan payments while still in school or during the grace period can significantly reduce the total cost of borrowing. Even small payments toward the interest on unsubsidized or undergraduate private loans can prevent that interest from capitalizing when repayment begins.

This helps keep the loan amount from growing and reduces the interest you’ll pay over the life of the loan. Starting payments early also builds good financial habits, minimizes future debt stress, and may shorten the overall repayment timeline.

The Takeaway

When does student loan interest start accruing? The minute the loan is disbursed, except on Federal Direct Subsidized Loans. It’s important for borrowers to understand and pay attention to when the interest starts accruing, as that interest can be capitalized and increase the total cost of the loan.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

FAQ

When do unsubsidized student loans start accruing interest?

Unsubsidized student loans start accruing interest as soon as the loan is disbursed. This means interest begins to accumulate from the moment the funds are sent to your school, even while you are still in college. You can choose to pay the interest while in school or defer it.

Do subsidized loans ever accrue interest?

Subsidized loans do not accrue interest while you are in school at least half-time, during the grace period after graduation, or during deferment periods. However, interest begins to accrue once you enter repayment, typically six months after graduation.

How does interest capitalization affect loan balance?

Interest capitalization adds unpaid interest to the principal balance of your loan, increasing the total amount you owe. This can lead to higher monthly payments and more interest accruing over time, making the loan more expensive in the long run.

Can you avoid student loan interest completely?

Avoiding student loan interest completely is challenging but possible. Opt for grants, scholarships, or work-study programs. If you take out loans, pay the interest while in school or during grace periods to prevent capitalization. Choose loans with lower interest rates and pay them off quickly.

Does refinancing stop interest accrual?

Refinancing doesn’t stop interest accrual; it replaces your existing loans with a new one, often with a different interest rate. The new loan will continue to accrue interest, but the rate and terms may be more favorable, potentially reducing the overall interest paid.

SoFi Private Student Loans
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.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SOISL-Q325-021

When taking out student loans, it’s important to know that both federal and private student loans have borrowing caps. Federal loans have two different limits: annual and lifetime borrowing limits.

The lifetime aggregate federal student loan limit for dependent undergraduate students is $31,000, and no more than $23,000 can be in subsidized loans. For graduate students, the lifetime borrowing limit is $138,500, of which no more than $65,500 can be in subsidized loans.

Private lenders may also have lifetime and annual borrowing limits, though those limits are set by the lender.

It’s possible to hit the maximum amount of loans allowed before finishing school, so it’s helpful to understand how much you may be eligible to borrow.

What Is the Lifetime Limit for Student Loans?

Students have the option to borrow both federal and private student loans. There are annual and lifetime limits for borrowing.

Federal Student Loan Lifetime Limits

Federal student loans have annual and lifetime limits. The limits can vary by student, depending on three criteria:

•   Year in school

•   Type of loan you are eligible to borrow choose (subsidized vs. unsubsidized)

•   Dependency status

Independent students, who the U.S. Department of Education considers to be on their own financially, can borrow more than dependent students who can typically get help from their parents.

Even if you’re financially independent of your parents, the definition of an independent student is fairly strict, and if you are under the age of 24, you’ll need to confirm you qualify as an independent student. If you’re not sure if you’re a dependent or independent student, see your guidance counselor or an admissions counselor who may be able to help.

Here are the federal loan limits, depending on your status and year in school, according to the U.S. Department of Education:

^*Except students whose parents are unable to obtain PLUS Loans.

^**Also includes dependent undergraduate students whose parents are unable to obtain PLUS Loans.

Note that the lifetime limit for graduate and professional students includes the amount in federal loans borrowed during a student’s undergraduate studies.

Private Student Loan Lifetime Limits

If you choose to borrow private student loans, the annual and lifetime limit may vary by lender. That said, the annual limits typically cannot exceed the cost of attendance at your school, less any financial aid you have already received.

The total cost of attendance is a number determined by your school and typically includes tuition and fees, on-campus room and board, books, supplies, and transportation.

As for lifetime limits, it may depend on whether you’re an undergraduate student or a graduate student. Some private lenders may offer higher limits if you’re doing an MBA or going to law or medical school, for example.

Some lenders have just one limit for all loans. But in some cases, you may even see two lifetime limits: one for loans through the private lender and one for total federal and private loans.

If you’re considering borrowing from a private lender, ask about their loan limits before applying to make sure you get the funding you need.

How Loan Limits Vary by Degree Level

Student loan limits can vary significantly depending on the degree level you are pursuing:

•  Undergraduate degrees: Undergraduate student loans include Federal Direct Subsidized and Unsubsidized Loans. They have annual limits ranging from $5,500 to $12,500, and aggregate limits of $31,000 to $57,500, depending on your year in school and dependency status.

•  Graduate degrees: Graduate student loans include Federal Direct Unsubsidized Loans and have higher annual limits, typically up to $20,500, with an aggregate limit of $138,500, including any undergraduate debt.

•  Professional degrees (e.g., law, medical): Federal Direct Unsubsidized Loans for professional students have an annual limit of $40,500 and an aggregate limit of $224,000, including any undergraduate debt.

•  Parent PLUS Loans: Parents can borrow up to the cost of attendance minus other financial aid received, with no set annual or aggregate limits.

•  Private student loans: Private lenders set their own limits, which can vary widely but are often based on the cost of attendance and the borrower’s creditworthiness.

Aggregate Loan Limits vs. Annual Limits

When borrowing federal student loans, it’s important to understand the difference between annual limits and aggregate (lifetime) limits.

Annual limits refer to the maximum amount a student can borrow in a single academic year. These limits vary by year in school and dependency status — for example, dependent undergraduate students can typically borrow between $5,500 and $7,500 per year, while independent undergrads may be eligible for up to $12,500 annually.

Aggregate loan limits, on the other hand, represent the total amount a student can borrow over the course of their education. For dependent undergraduate students, the aggregate cap is $31,000, while independent undergraduates can borrow up to $57,500. Graduate and professional students have a higher lifetime limit of $138,500 (which includes any undergraduate loans already borrowed). Once you reach the aggregate limit, you must repay some of your balance before becoming eligible for additional federal loans.

Recommended: How Do Student Loans Work?

What to Do If You’ve Hit the Maximum Federal Student Loan Amount

If you’ve reached your lifetime limit for federal student loans or you’re close to it, it’s probably time to start thinking about how you’re going to repay your student loans. Here are some options if you’ve maxed out your options for federal loans.

Consider Student Loan Refinancing

One way to make progress toward paying off your student loans and potentially save money along the way is to refinance them with a private lender. With student loan refinancing, you replace your current loans with a new one.

In some cases, you may qualify for a lower interest rate than what you’re currently paying. You could also adjust your repayment schedule to pay off your student loans faster or take some more time to fit your budget better.

With a lower interest rate, you could reduce the amount of money you spend on interest over the life of the loan. If you lengthen the term of your loan, you’d decrease your monthly payments but pay more in interest over the life of the loan.

In other words, if you refinance your student loans, you may get more flexibility with your payments as you eliminate your debt. However, it is important to note that if you refinance your federal student loans with a private lender, you forfeit eligibility for federal benefits, such as student loan forgiveness and deferment.

Recommended: Student Loan Consolidation Rates

Check Out Federal Assistance Programs

If you’ve maxed out your federal student loans because your income isn’t where you’d like it to be, you may want to take a look at federal programs like income-driven repayment plans, which base your monthly payments on your discretionary income and family size.

If you’re facing financial difficulties, you might want to consider deferment or forbearance instead, which allow you to temporarily pause your payments for a certain amount of time. However, the two programs have some important differences between them.

For example, with deferment, a borrower doesn’t need to make payments on the interest that accrues on certain loans, including Direct Subsidized Loans. With forbearance, borrowers must pay the interest that accrues no matter what type of federal loan they have.

Consider a Private Student Loan

If you’ve reached your limit on federal student loans but still need some assistance paying for your tuition, you might consider taking out a private student loan. There are options for fixed or variable rate private student loans, and some lenders like SoFi offer flexible repayment options.

Explore Employer Tuition Assistance or Loan Repayment Programs

Another effective strategy if you’ve reached your student loan limit is to explore employer tuition assistance or loan repayment programs. Many employers offer financial support to help employees further their education, either by covering tuition costs directly or by providing funds to repay existing student loans.

These benefits can significantly reduce your financial burden and help you continue your education without incurring additional debt. Additionally, some companies may offer flexible payment options or matching contributions, making it easier to manage your educational expenses.

Return to School for Eligibility Reset

If you’ve reached your federal loan aggregate limit, returning to school does not reset your borrowing eligibility — you’re still bound by both annual and aggregate limits regardless of breaks or changing institutions.

However, if you are considering furthering your education, returning to school can allow you access to new loan limits. For example, if you have maxed out your undergraduate loan limits, enrolling in a master’s or doctoral program can provide you with new annual and aggregate loan limits specific to graduate studies.

Recommended: Applying for Grad School: Tips for Success

The Takeaway

There are both annual and lifetime borrowing limits for federal student loans. The lifetime limit for dependent undergraduate students is $31,000, of which no more than $23,000 can be in subsidized loans. For independent undergraduate students, the lifetime limit is $57,550, of which no more than $23,000 can be in subsidized loans.

Private lenders may also have borrowing limits, but they are set by the lender. Generally speaking, private student loans are limited to the cost of attendance.

If you’ve reached your lifetime limit on student loans and you’re ready to start repaying them — and hoping to save some money in the process — options to consider include student loan refinancing and, for federal loans, income-driven repayment plans.

Looking to lower your monthly student loan payment? Refinancing may be one way to do it — by extending your loan term, getting a lower interest rate than what you currently have, or both. (Please note that refinancing federal loans makes them ineligible for federal forgiveness and protections. Also, lengthening your loan term may mean paying more in interest over the life of the loan.) SoFi student loan refinancing offers flexible terms that fit your budget.

FAQ

What is the maximum student loan limit?

The maximum lifetime aggregate federal student loan limit for dependent undergraduates is $31,000, and no more than $23,000 of that can be in subsidized loans. For financially independent undergraduate students, the maximum lifetime aggregate limit is $57,500, of which no more than $23,000 can be in subsidized loans.
For graduate students, the lifetime aggregate loan limit is $138,500, of which no more than $65,500 can be in subsidized loans. With private student loans, lenders typically set their own lifetime limits.

What is the maximum student loan you can take out per year?

First-year undergraduate dependent students can take out no more than $5,500 annually, and no more than $3,500 of that amount can be in subsidized loans. For dependent undergrads in their second year, the annual borrowing limit is $6,500, with no more than $4,500 in subsidized loans. Dependent undergraduates in their third and fourth years can take out up to $7,500, with no more than $5,500 in subsidized loans.

Graduate students can take up to $20,500 annually, but only in unsubsidized loans.

Do student loans have a term limit?

Yes. The maximum repayment term for federal student loans being repaid under an income-driven repayment plan is 20 years for borrowers with undergraduate loans and 25 years for those with graduate student loans.

Borrowers with federal consolidation loans have up to 30 years to repay them.

Are there different limits for graduate and undergraduate loans?

Yes, there are different limits for graduate and undergraduate loans. Undergraduate loans typically have lower annual and aggregate limits, ranging from $5,500 to $12,500 annually and $31,000 to $57,500 in total. Graduate loans have higher limits, up to $20,500 annually and $138,500 in total, including undergraduate debt.

What happens if I need more than the maximum loan amount?

If you need more than the maximum loan amount, consider alternative funding options such as private loans, scholarships, grants, or employer tuition assistance. You can also explore part-time work, internships, or reducing your course load to manage costs.

SoFi Private Student Loans
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.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SOISL-Q325-022

A debilitating sickness or injury can be life-changing and make it challenging or impossible to pay back student loans. Because of this, borrowers who are considered “totally and permanently disabled” may qualify to have their student loans discharged through a federal forgiveness program known as Total and Permanent Disability Discharge.

Since this is a federal program, it only applies to federal student debt and not private student loans. Here’s what to know about student loan disability discharge and who is eligible for the program.

Disability Discharge of Student Loans

Student loan disability discharge relieves borrowers of their student loan responsibilities in the event of total and permanent disability. Receiving a Total and Permanent Disability (TPD) Discharge from the U.S. Department of Education means that a qualifying borrower does not need to pay back federal student loans or complete a TEACH Grant service obligation.

Can Student Loans Be Forgiven Due to Disability?

Federal student loans can be forgiven due to disability. Borrowers interested in a disability discharge need to apply for the program and provide documentation to show that they are considered “totally and permanently disabled.” The Department of Education will review the application to determine if an applicant qualifies.

In some instances, the Department of Education may receive information from the Social Security Administration (SSA) or the U.S. Department of Veterans Affairs (VA) that an individual may qualify for a disability discharge of student loans. In these cases of automatic discharge, the Department of Education may contact a borrower to provide information about requesting a TPD discharge.

You might also have a representative apply for you, such as a relative or an organization like a veterans’ service organization. To do this, you must submit an Applicant Representative Designation form for the other party to act as a representative on your behalf. The form must be processed by the Department of Education before they can work with the third party on a TPD discharge for you.

Again, the student loan disability discharge program only applies to federal loans, such as Direct Loans, FFEL Program Loans, or Perkins Loans. This program doesn’t apply to private student loans.


💡 Quick Tip: Get flexible terms and competitive rates when you refinance your student loan with SoFi.

What Is Student Loan Total and Permanent Disability Discharge?

A Total and Permanent Disability Discharge means that a qualifying borrower will not be required to pay back federal student loans or complete a TEACH Grant service obligation.

Loans included in the program are those issued by the William D. Ford Federal Direct Loan Program (Direct Loans), the Federal Family Education Loan Program (FFEL), and the Federal Perkins Loans. Borrowers in a TEACH Grant service program may also be relieved from having to complete whatever service obligation remains in their program.

Applying for Student Loan Disability Discharge

If you would like to apply for a disability discharge of student loans, the first step is to fill out a TPD discharge application.

You’ll also need to gather together documentation showing that you meet the Department of Education’s requirements for being “totally and completely disabled.” There are three ways to provide the necessary documentation:

1. Through the VA

If you are a veteran, you can work with the U.S. Department of Veteran Affairs (VA) to provide the documentation needed to prove that you are permanently disabled from a service-related injury.

2. Through the Social Security Administration

If you are already receiving Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) benefits, you can use documentation from the Social Security Administration (SSA).

3. Through a Physician

You also can have a physician (an MD or DO), nurse practitioner (NP), physician’s assistant (PA), or certified psychologist certify that you are unable to earn money in any substantial way due to a physical or mental impairment. Here are the current official qualifications:

•   The impairment could result in death.

•   The impairment has lasted for a continuous period of at least 60 months.

•   The impairment can be expected to last for a continuous period of at least 60 months.

What Happens if I’m Approved for Student Loan Disability Discharge?

It depends on whether you were approved for a disability discharge through the VA, the SSA, or your physician.

If you provided documentation from the VA, the following will happen upon approval:

•   You’ll be notified of the discharge

•   Your loan holders will be instructed to return any loan payments received on or after the effective date of the disability determination

If you provide documentation from the Social Security Administration or from your physician, there will be an additional step if you qualify: You’ll be notified that you are subject to a three-year monitoring period. Your loans or TEACH work obligation could be reinstated if you don’t meet certain requirements at any time.

During the monitoring period, your obligations may be reinstated if you receive a new federal student loan under the Direct Loan Program or a new TEACH Grant, or if the SSA determines you are no longer disabled.

Recommended: Examining How Student Loan Deferment Works

What Is Student Loan Refinancing?

If you don’t qualify for a TPD discharge, there are other options for lowering student loan costs. You can contact your loan servicer to find out if you’re eligible for deferment or forbearance — or to see if you’re eligible for an income-driven payment plan, which bases your monthly payments on your discretionary income and family size, and generally results in lower payments.

Refinancing your student loans can also help you lower your repayment costs. With refinancing, you exchange your old loans for a new loan.

Because you’re using the new loan to pay off the existing loans, it’s possible to change the terms of the loan, such as securing a lower interest rate or shortening the loan term (both of which mean saving interest over the life of the loan). You could also lengthen the loan term (which can lower your monthly payments, but potentially result in paying more interest over the life of the loan).

Keep in mind that if you refinance federal loans, you’ll lose access to federal benefits and protections, including eligibility for TPD, income-driven repayment, or other federal loan programs such as deferment or forbearance. If you think you might want to pursue a disability discharge or other federal loan programs in the future, refinancing your federal loans may not be a good choice for you. If you have private loans, however, it may be worth exploring.

Refinancing Student Loans With SoFi

Looking to lower your monthly student loan payment? Refinancing may be one way to do it — by extending your loan term, getting a lower interest rate than what you currently have, or both. (Please note that refinancing federal loans makes them ineligible for federal forgiveness and protections. Also, lengthening your loan term may mean paying more in interest over the life of the loan.) SoFi student loan refinancing offers flexible terms that fit your budget.

FAQ

What disabilities qualify for student loan forgiveness?

To receive federal loan forgiveness under the Total and Permanent Disability Discharge program, you must have a mental or physical disability that severely limits your ability to work now and in the future. You’ll need to provide documentation of this total and permanent disability through the VA, the SSA, or a healthcare provider.

Can you get student loan forgiveness if you become disabled?

A borrower can apply for a student loan disability discharge only if they become totally and permanently disabled. An individual who qualifies for a TPD discharge is not required to pay back their student loan or complete their TEACH Grant service obligation.

Do you have to pay back student loans if you are on disability?

If a person is receiving SSDI or SSI benefits from the Social Security Administration and their next disability review is not for another five to seven years, then a person is considered totally and permanently disabled and eligible to apply for a TPD discharge. A three-year monitoring period follows a TPD discharge that is based on documentation from either the SSA or a doctor.

SoFi Student Loan Refinance
Terms and conditions apply. SoFi Refinance Student Loans are private loans. When you refinance federal loans with a SoFi loan, YOU FORFEIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE. Lowest rates reserved for the most creditworthy borrowers. Learn more at SoFi.com/eligibility. SoFi Refinance Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.