SoFi Blog

Winter travel is something most of us begrudgingly undertake. We brave the cold, the snow, the sleet, and face down Jack Frost himself to get from point A to point B. Nearly 100 million Americans hit the roads or took to the skies to catch up with family over the 2017 holiday season.

But once the family obligations are done, travelers—including you—could be taking advantage of the colder weather to do something epic: Actually go on vacation. Here’s why winter travel really does reign supreme, a few tips on saving big, and just how you can afford to celebrate the holidays and go on your own vacation all at once.

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²Fixed rates from 7.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 2/7/26 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.

Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.

PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. Annual percentage rates (APRs) shown include the 0.25% autopay discount. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Want to learn more? See our eligibility criteria at SoFi.com/eligibility-criteria. SoFi reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change. Fixed Rates: Fixed rates range from 7.74% APR to 35.49% APR (with autopay). The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. Loan Terms: SoFi Personal Loans offer loans with a period of repayment between 2 and 7-year terms. Loan Fees: SoFi personal loans have no fees required; specifically, no origination fees required, no late fees, no prepayment penalties.

PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 7.74% APR to 35.49% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply.

Traveling the world is high up on the bucket lists of many. And in today’s social media age that desire comes to life via endless accounts detailing idyllic tropical havens, bustling cityscapes, and high-adventure destinations.

From skiing the Alps to visiting Machu Picchu, there’s so much to see and do—but with all those adventures comes a price tag. Millennials are one of the most travel-focused generational groups. While other segments of the population are cutting back on traveling expenses, millennial families continue to spend on travel. According to the 2018 to 2019 Portrait of American Travelers Study , millennial families intend to spend 15% more on travel in 2018 than they did in 2017.

Millennials place a strong emphasis on travel, but they’re often left with the question of how to pay off student loans fast. According to the Pew Research Center , about four in 10 American adults under the age of 30 have student loan debt. While the amount each individual holds varies greatly, on average those graduating from a four-year college have approximately $32,731 in student loan debt.

All that said, we’re here to let you know that traveling the world while paying off student loans fast could still be an option. Here are our nine tips for how to pay off student loans fast while still traveling the world at the same time.

With a seemingly endless supply of new budget-tracking apps, advice about always making coffee at home instead of buying out, and other finance tips, it can be hard to find the best creative ways to save money.

But saving anything, even just a small amount, is a good place to start. Whether you want to build up your emergency savings, or fund an investment account, it’s definitely time to prioritize saving money as a family or as an individual.

Savings are subjective, and while some people find it simple to put away money every month, for others, it can feel daunting to part with that money, especially if you’re in debt or spending a large portion of your paycheck on necessities. What works for someone else might not work for you, and that’s okay. Here are just a few financial upgrades that can help grow your savings.