Apr

2019

Undergraduate Student Loans Rates & Terms

By Eujin Rhee | 1_Web_ISL, student_loan | Comments Off

Private Student Loan

Undergrad Rates & Terms

The following examples depict the term, APR, monthly payment amount, and total payments during the life of a $10,000 private student loan with a single disbursement. All student loan rates below are shown with the autopay discount (0.25%). SoFi does not charge application fees, origination fees, insufficient fund fees, or late fees, and there are no prepayment penalties. Enrolling in autopay is not required to receive a loan from SoFi.

For variable rate loans, the variable interest rate is derived from the 30 day average SOFR index rate plus a margin of between 0.95% and 12.30%. The current 30 day average SOFR index rate is 3.69%. Changes in the 30 day average SOFR index rate may cause your monthly payment to increase or decrease. Interest rates for variable rate loans are capped at 17.95%, unless required to be lower to comply with applicable law.

It is important to remember that interest begins accruing on the first disbursement date, but some repayment options do not require full principal or interest payments until the end of the deferment period. Any unpaid interest that has accrued and remains unpaid at the end of the deferment period will be added to the principal balance at the end of the deferment period. Thereafter, interest will accrue on this new principal balance.

If approved for a loan, the interest rate you receive will be within the ranges listed below, but will depend on a number of factors including: your loan term, your selected repayment type, your financial history, and other factors, including your cosigner’s (if any) financial history. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, years of professional experience, income and other factors. State restrictions and other terms and conditions may apply.

How to read the repayment tables

For the tables below, the full deferment, interest only, and partial payment in-school repayment options assume that you remain in school for four years and have a six-month grace period (together, the deferment period) before the loan term begins. The immediate repayment option assumes full payment begins one month after full disbursement.

SoFi reserves the right to change interest rates at any time and without notice. Such changes will only apply to applications begun after the effective date of the change. Calculations are estimates only.

Fixed Rate Loans

Repayment Type:

Term (years)	APR	Monthly payment amount during deferment period	Monthly payment amount during the loan term	Total of Payments
5	3.43% – 15.99%	N/A	$181.60 – $243.13	$10,896.25 – $14,587.65
7	7.24% – 15.99%	N/A	$152.10 – $198.56	$12,776.63 – $16,679.35
10	7.29% – 15.99%	N/A	$117.61 – $167.45	$14,113.03 – $20,094.10
15	7.34% – 15.99%	N/A	$91.79 – $146.80	$16,522.98 – $26,424.06

Repayment Type:

Term (years)	APR	Monthly payment amount during deferment period	Monthly payment amount during the loan term	Total of Payments
5	7.14% – 15.99%	$59.50 – $133.25	$198.67 – $243.13	$15,133.39 – $21,783.15
7	7.34% – 15.99%	$61.17 – $133.25	$152.59 – $198.56	$16,120.92 – $23,874.85
10	7.54% – 15.99%	$62.83 – $133.25	$118.91 – $167.45	$17,662.28 – $27,289.60
15	7.84% – 15.99%	$65.33 – $133.25	$94.64 – $146.80	$20,563.89 – $33,619.56

Repayment Type:

Term (years)	APR	Monthly payment amount during deferment period	Monthly payment amount during the loan term	Total of Payments
5	7.11% – 13.79%	$25	$241.55 – $385.25	$15,842.76 – $24,464.86
7	7.24% – 13.99%	$25	$186.25 – $314.63	$16,994.61 – $27,779.26
10	7.47% – 14.20%	$25	$146.73 – $265.33	$18,957.02 – $33,190.10
15	7.80% – 14.41%	$25	$118.67 – $232.61	$22,710.02 – $43,220.25

Repayment Type:

Term (years)	APR	Monthly payment amount during deferment period	Monthly payment amount during the loan term	Total of Payments
5	7.04% – 13.44%	$0	$271.71 – $418.07	$16,302.72 – $25,084.19
7	7.21% – 13.68%	$0	$209.77 – $341.44	$17,620.98 – $28,680.98
10	7.47% – 13.93%	$0	$165.51 – $287.94	$19,861.43 – $34,552.80
15	7.82% – 14.17%	$0	$134.14 – $252.43	$24,146.00 – $45,437.50

Variable Rate Loans

Repayment Type:

Term (years)	APR	Monthly payment amount during deferment period	Monthly payment amount during the loan term	Total of Payments
5	4.64% – 15.99%	N/A	$187.07 – $243.13	$11,224.05 – $14,587.65
7	7.24% – 15.99%	N/A	$152.10 – $198.56	$12,776.63 – $16,679.35
10	7.29% – 15.99%	N/A	$117.61 – $167.45	$14,113.03 – $20,094.10
15	7.34% – 15.99%	N/A	$91.79 – $146.80	$16,522.98 – $26,424.06

Repayment Type:

Term (years)	APR	Monthly payment amount during deferment period	Monthly payment amount during the loan term	Total of Payments
5	7.14% – 15.99%	$59.50 – $133.25	$198.67 – $243.13	$15,133.39 – $21,783.15
7	7.34% – 15.99%	$61.17 – $133.25	$152.59 – $198.56	$16,120.92 – $23,874.85
10	7.54% – 15.99%	$62.83 – $133.25	$118.91 – $167.45	$17,662.28 – $27,289.60
15	7.84% – 15.99%	$65.33 – $133.25	$94.64 – $146.80	$20,563.89 – $33,619.56

Repayment Type:

Term (years)	APR	Monthly payment amount during deferment period	Monthly payment amount during the loan term	Total of Payments
5	7.11% – 13.79%	$25	$241.55 – $385.25	$15,842.76 – $24,464.86
7	7.24% – 13.99%	$25	$186.25 – $314.63	$16,994.61 – $27,779.26
10	7.47% – 14.20%	$25	$146.73 – $265.33	$18,957.02 – $33,190.10
15	7.80% – 14.41%	$25	$118.67 – $232.61	$22,710.02 – $43,220.25

Repayment Type:

Term (years)	APR	Monthly payment amount during deferment period	Monthly payment amount during the loan term	Total of Payments
5	7.04% – 13.44%	$0	$271.71 – $418.07	$16,302.72 – $25,084.19
7	7.21% – 13.68%	$0	$209.77 – $341.44	$17,620.98 – $28,680.98
10	7.47% – 13.93%	$0	$165.51 – $287.94	$19,861.43 – $34,552.80
15	7.82% – 14.17%	$0	$134.14 – $252.43	$24,146.00 – $45,437.50

Private Student Loan variable rate loans for all terms are capped at 17.95%.

Rates in this table reflect prices as of 2026-02-07.

**Private Student Loan: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The discount will not reduce the monthly payment; instead, the discount is applied to the principal loan balance and is intended to help pay the loan down faster. Enrolling in autopay is not required to receive a loan from SoFi.

View FAQs >

Find your loan rate in just a few clicks.

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Apr

2019

Private Student Loans

By Micah Sapitsky | 1_Web_ISL | Comments Off

Private Student Loans

Your student loan rate may be
lower than you think.

View your rate

Checking won’t affect your credit score..

When you’re choosing a student
loan provider, you want to
be sure
you’re covered during undergrad
and postgrad.

Don’t worry, SoFi’s got your back.

✓ Flexible repayment terms.
✓ Competitive rates.
✓ 100% of school-certified costs covered.

View your rate

Checking won’t affect your credit score..

New! Cash bonus for good grades.

Up to $250³ with GPAs 3.0 or higher.

Learn more

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us?
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Enter confirmation #

Choose a private student loan with competitive rates.

With private student loan interest rates, it’s good to have options. That’s why SoFi offers competitive fixed or variable interest rates.

Use our student loans for living expenses, books, food, and more. There’s no limit if your school certifies the cost.
Our student loans apply to bachelor’s degrees or higher. And we cover graduate certificate programs, too.
We have loans for students entering fall, spring, and summer terms.

View your rate

SoFi has private student loans
for your education.

We offer loans for college students at all stages of their academic career. Whether you’re just starting undergrad or going for a medical degree, we have you covered.

Private loans for college, without the hassle. See private student loan rates for undergrads in minutes—with tips along the way. Learn more.

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Get student loans with competitive rates to pay for college, with flexible repayment plans for qualified parents (and sponsors), too. Learn more.

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Focus on grad school, not debt, with private student loans that have competitive interest rates and flexible term options. Learn more.

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Get competitive private student loan rates for business school as you advance your career. Learn more.

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Pay for law school with private student loans that have competitive fixed or variable rate options. Learn more.

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Why choose a SoFi private student loan?

Easy online application process.

Check your rate for a SoFi Private Student Loan in minutes. And if you add a cosigner, you might improve your changes of getting approved for a lower interest rate.

No fees required.

That means no origination or late fees required. What you see is what you pay back with a private student loan from SoFi.

Rewards points to help pay down your student loan.

Easily earn rewards points* by checking your credit score and more. Then, redeem them toward your student loan.

Good grades bonus.

With a SoFi Private Student Loan, you could earn rewards for good grades after each term—up to a $250 cash bonus to your SoFi Checking and Savings account for a 3.0 or higher GPA.²

Repay your way.

Select private education loan interest rates and monthly payments to fit your budget.

Rate discounts.

Returning in-school borrowers are eligible for additional 0.125% rate discounts.^{^‡}

STUDENT LOAN CALCULATOR

Estimate your private student loan payments

Simulate your potential monthly payments and interest by choosing loan preferences that meet your needs.

SoFi was named Best Student Loan by Money.com.

Awards or rankings from Money.com are not indicative of future success or results. This award and its ratings are independently determined and awarded by their respective publications.

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SoFi is trusted by over 1,195 universities nationwide as a recommended lender.

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Bankrate named SoFi Best Student Loan for Borrowers with Good Credit.

Awards or rankings from Bankrate are not indicative of future success or results. This award and its ratings are independently determined and awarded by their respective publications.

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SoFi student loans versus other private education loans.

It doesn’t take a Ph.D. to see the advantages of SoFi Private Student Loans when compared to other private student loan lenders. Secure funding with no fees, flexible repayment options, and more on your variable- or fixed-rate student loan today.

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]}
competitorCards={[
[
‘Sallie Mae’,
’15 minutes’,
‘Late fee + returned check’,
‘3’,
‘No’,
‘No (terms assigned by lender)’,
‘Automated payments’,
],
[
‘College Ave’,
‘3 minutes’,
‘Late fee’,
‘4’,
‘No’,
‘Yes’,
‘Automated payments’,
],
[
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”,
”,
],
]}
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Comparisons based on information obtained on lenders’ websites as of January 9, 2024.

View your rate

How to apply for Private Student Loans from SoFi

Enter info.

Apply for your student loan online by providing basic info and inviting a cosigner to the application (we recommend it!)
Check out rates and terms.

View your rate options and estimated monthly payment, then select your loan terms.
Fund your private student loan.

Sign your loan, wait for your school’s approval, and then it’s time to hit the books! Getting online student loans couldn’t be easier.

View your rate

Bottom line: Help starts with a phone call at 855-456-SOFI (7634) Mon.–Thu. 5am–7pm PT, and Fri.–Sun. 5am–5pm PT. An agent with safe and secure screen-share capabilities can answer questions and walk you through the process.

Student loan eligibility requirements

To qualify for private student loan financing, you’ll need to pursue at least a BA/BS degree or higher. For more information please see eligibility criteria.

When you can apply for SoFi private student loans

Full academic year (Fall and Spring): March 2, 2026
Upcoming Fall Term: March 2, 2026
Upcoming Summer Terms: February 1, 2026
Upcoming Spring Term (2027): September 1, 2026

Understanding student loans: tools,
tips, resources, and more.

Want to learn more about private student loans? Our online resource center is filled with over 5,000 articles, budgeting tools, guides, and more.

Visit SoFi Learn

FAQs

What is a SoFi Private Student Loan?

A private student loan is taken out by students or their parents to pay for college or graduate school. Private student loans are different from federal student loans in that they are meant to fill the gap between financial aid and what your family can afford to pay. Private student loans are funded by private companies (like banks), require a credit check, and have different repayment options and terms.

Learn More: How Do Student Loans Work? Guide to Student Loans.

What’s the difference between a federal student loan and a private student loan?

Federal student loans are funded by the federal government. Interest rates are fixed and typically lower than interest rates of private student loans. If you run into difficulty repaying your federal student loans after graduation, or if you drop below half-time enrollment, deferment and forbearance options are available, and you may be eligible for federal forgiveness programs.

Private student loans are funded by banks, credit unions, and online lenders—SoFi falls into this category. When applying for a private loan, you can choose between fixed or variable interest rates, and the lender typically reviews your financial history and credit score, which means it may be beneficial to have a cosigner. And unlike federal loans, private loans do not come with origination fees.

Be sure to check out this article for more details while weighing the pros and cons of private vs federal student loans.

What are the repayment terms for SoFi Private Student Loans?

We offer four different term options so you can choose a repayment timetable that works for you: 5, 7, 10, and 15 year terms.

What can private student loans be used for?

SoFi Private Student Loans can cover up to 100% of the school-certified cost of attendance, which typically includes things like tuition and food, books and supplies, room and board, transportation, and personal expenses. It can also cover things like computers, study abroad programs (through US institutions), fees for athletics, labs, or even art equipment. Check with your school’s financial aid office if you have questions about what they include in their cost of attendance. The minimum you can borrow is $1,000.

How much can I borrow in private student loans?

SoFi loans for students have a borrowing minimum of $1,000. There is no maximum limit for a SoFi Private Student Loan.

Who is eligible for a SoFi Private Student Loan?

SoFi offers private loans for college, graduate school, law school, medical school, and business school students. There are many factors that can affect your specific eligibility, including your school, degree type, loan amount, credit score, and more.

To qualify for private student loans, you’ll need to pursue at least a bachelor’s degree or higher. For more information, please see eligibility criteria.

Learn More: Understanding Student Loan Requirements.

What discounts on private student loan interest rates do you offer?

You can get a 0.25% interest rate reduction when you sign up to make automated payments from your checking or savings account. If you’ve taken out a private student loan with us before, you can also qualify for a 0.125% interest rate discount on subsequent loans with the Continuing Scholar Discount.^{^‡}

What happens after I apply for a private student loan from SoFi?

You can apply for a student loan online and get a credit decision in just three minutes. If approved, you’ll need to select your loan terms (how long you want to repay your loan and what type of repayment you’d like to enter into) and then accept your terms and electronically sign your loan documents.

Once you’ve signed your loan, we send the student loan application information to your school for certification. During this process, schools verify your enrollment status, academic progress, and your financial aid package. Every school has their own processes and timelines, so certification can take several days or sometimes weeks. Once we receive the certification back from the school, you’re all set! We then schedule your student loan funds to be sent to your college’s financial aid office according to your school’s requested timeline.

The entire process from application to actually sending the money to the school typically takes at least 4-6 weeks, but it can be shorter or longer than that depending on the school and time of year. Need your loan sooner? Our team is here to help. Call us anytime at (855) 456-7634.

Do I need a cosigner for a SoFi Private Student Loan?

No, you don’t need a cosigner, but we encourage you to consider one.

Most students have limited credit history and income. Having a cosigner with a solid financial history, strong income and good, established credit may help improve your chances of student loan approval.

Adding a cosigner might even help you qualify for a lower interest rate.

With SoFi’s online application process, you and your cosigner can see what rates and terms you prequalify for before submitting your full loan application—and it won’t impact your credit score.†

Learn More: Do I Need a Student Loan Cosigner

What’s the difference between variable and fixed interest rates?

Fixed-rate private student loans have an interest rate that won’t change over the life of the loan, which means you pay the same amount each month. Variable-rate loans have an interest rate that fluctuates over time in line with prevailing interest rates. They generally have lower starting interest rates than fixed-rate loans, but the rate and payment amounts can change over time.

Learn More: Choosing Between Variable And Fixed Rate Student Loans.

Who services SoFi Private Student Loans?

Nelnet services all of SoFi’s private student loans. Check your account and email for information regarding loan servicing once your loan has been disbursed.

How do I get a private student loan for college?

When you’re searching for a private student loans, look for a student loan rate and monthly payment that you can afford, with no fees and great benefits. Whether you need loans for private colleges or public universities, compare your options and make a choice. When applying for a private student loan, plan to think through how much money you need to borrow in advance and talk to a parent or other adult about the process. Many students don’t have much credit and will need a parent or other established adult to cosign their loan. Have questions? You can always call us with any questions at (855) 456-7634.

What is the Family Discount and how does it work?

SoFi offers a Family Discount on private student loans when an immediate family member of the borrower already has an existing SoFi loan. Eligible borrowers can receive a 0.125% rate discount on their new private student loan. The discount is applied automatically once eligibility is confirmed and lasts for the life of the loan. Family members must be directly related, such as a parent or sibling, and the discount cannot be combined with other rate reductions unless stated in SoFi’s program terms.

(855) 456-SOFI (7634)

Monday–Thursday 5am–7pm PT

Friday–Sunday 5am–5pm PT

For more information, please Chat with Student Loans Support.

See more FAQs

² Interest Rates: Eligibility and Important Details. Fixed rates range from 3.43% APR to 15.99% APR with 0.25% autopay discount. Variable rates range from 4.64% APR to 15.99% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates are capped at 17.95%. SoFi rate ranges are current as of 6/1/23 and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term and type of repayment option you select, evaluation of your creditworthiness, income, presence of a co-signer (if applicable) and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. Check out our eligibility criteria at https://www.sofi.com/eligibility-criteria/. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. 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.

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

Apr

2019

Financial Aid Officers

By SoFi General | 1_Web_ISL | Comments Off

PRIVATE STUDENT LOANS

Here to help colleges and universities as much as your students.

We share a common mission—to help students get the funding for the education they deserve. That’s why we’ve created a one-stop shop to give you all the information you need, right here.

To improve the lives of students,

we’re constantly improving our product.

We are always trying to find new ways to make the student loan process smoother for students and financial aid officers.

Trusted long-term partner.

With over 10M members and 4.5 stars on Trustpilot, SoFi is a trusted partner for students and parents on their borrowing journey. SoFi offers access to live, personalized support 24/7.

Simple & straight forward process.

SoFi’s online application is simple! Students can check their rate in only a few minutes. From there, they can manage their loans entirely online.

Flexible options to fit the student’s needs.

SoFi offers a variety of rate & term options that gives parents and students the flexibility to select what best fits their financial situation.

Access to financial tools and resources.

SoFi offers extensive financial literacy tools and resources to support families on their college journey.

We know student loans.

51%
of borrowers choose to make
payments in school.^*

80%
choose 10-year or less
repayment terms.^**

2,100+
schools in SoFi’s network.

Loans that work for your students’ needs.

Undergraduate Loans

SoFi helps undergrads pay for college without the hassle. See rates and terms in just minutes—and get access to tips, tools, and resources along the way.

Graduate Loans

Go to grad school and focus on your degree—not your debt. SoFi helps graduate students get low-rate loans and pay them back on their own terms.

Law Loans

Now future lawyers can pay for law school with premium, low-rate loans offered by SoFi.

MBA Loans

Now tomorrow’s leaders of industry can pay for business school with premium, low-rate loans offered by SoFi.

Parent Loans

Parents rejoice: now you can pay your child’s tuition with a flexible, low-rate parent loan. SoFi’s application is quick and easy—and the repayment plans are flexible.

Health Professions Loans

Future healthcare pros answering the call of medicine―let us be your ally as we support you through graduate school, and well beyond.

See all eligibility criteria here →

We support multiple certification and disbursement methods.

SoFi works with all processing providers.

Certification

ELM
SCHOLARNET™
iLINK™
SoFi Certify

Disbursements

ELM NDN
SCHOLARNET™ CDS
iLINK™ CDS
SoFi EFT
SoFi Check

FAQs

Be sure to check back regularly for new content.

Do you know what scholarships you can get?

The amount of scholarships, fellowships, and grants out there can feel overwhelming. Streamline your options with the Scholarship Search tool.

Your SoFi contacts:

Find your Campus Relationship Director or contact our Campus Relationship Team.

Campus Relationship Director

Your partner who can answer any questions about SoFi’s products and benefits. Email us at the address below and we’ll reply with your state’s director.
[email protected]

Customer Relationship Team

Your single source for questions regarding loans in process—from application through disbursement and servicing.
(833) 289-7634
[email protected]

Monday-Friday 9am – 7pm ET

Apr

2019

SoFi Invest (No Nav) – SEM

By Eujin Rhee | invest | Comments Off

{/*Sofi Online Investing LP*/}

{/* HERO */}

ONLINE INVESTING

All-in-one investing
that’s easy to use.

Open an account entirely online— start trading today. Trade stocks, ETFs, and more with ease.
Plus, get a bonus of up to $1,000 in stock from SoFi when you fund a new Active Investing
account.¹

Trade now

¹ Promotional terms: Customer must fund their Active Invest account with at least $50 within 30
days of opening the account. Probability of customer receiving $1,000 is 0.028%. See full terms and conditions.

{/* RTB */}

No commissions on trading stocks or ETFs.² Other fees apply.

Expansive investment options including Alternatives.⁶

Customized portfolio built for your goals with Automated Investing.³

IRAs with 1% match on 401(k) rollovers.⁴

IPO offerings before they trade on an exchange.⁵

Access personalized advice from a credentialed financial planner.

Active Invest offered by SoFi Securities, LLC. Automated investing offered by SoFi Wealth, LLC.

{/* Prepare for your retirement with SoFi.*/}

Prepare for your retirement with SoFi.

Discover the benefits of opening an Active IRA with SoFi Securities and see how it can help you
achieve your retirement goals.

Boost your IRA with a 1% match.

Reimagine what your retirement can do for you with a 1% match on rollovers to your SoFi Traditional or Roth IRA⁴—even without an employer plan.
Diverse investment options.

Access a wide range of investment options including stocks, ETFs, alternative investments, and
more.
Professional advice at no additional cost.

Need investment advice? Our financial planners can help based on your unique needs. And you
don’t need thousands of dollars to speak to a planner at SoFi—all members get a complimentary
30 minute introductory session.
No commission or minimums.

With SoFi Active Invest, there are no maintenance fees, no commissions, and no minimum
contributions or balances, meaning no extra cost to you. Other fees apply.

Open an account

⁴ Terms and conditions apply. Roll over a minimum of $20K to receive the 1% match offer. Matches on contributions are made up to the annual limits.

Ready for a user-friendly
investing experience?

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SoFi Blog

Tips and news—for your financial moves.

Undergraduate Student Loans Rates & Terms

Private Student Loan Undergrad Rates & Terms

Fixed Rate Loans

Variable Rate Loans

Undergraduate Student Loans

New! Cash bonus for good grades.

A better way to pay for your undergraduate degree.

100% covered.

No fees required. No fuss

Save Money

Cosign with confidence.

Choose from low fixed or variable rates.

Fixed

Variable

SoFi was named Best Student Loan by Money.com.

SoFi is trusted by over 1,195 universities nationwide as a recommended lender.

Bankrate named SoFi Best Student Loan for Borrowers with Good Credit.

PRIVATE STUDENT LOANS

Earn and redeem points to pay down your SoFi undergraduate loan.

Estimate your undergraduate student loan payments

SoFi undergraduate student loans vs. other lenders.

Deferred

Interest only

Partial

Immediate

Undergraduate student loans on your terms.

5-year

7-year

10-year

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How to apply for private undergraduate student loans from SoFi:

1

Apply online in just minutes.

2

Select your rate and repayment option.

3

Sign and accept your loan.

Let’s find a loan that fits you.

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Private Student Loans

New! Cash bonus for good grades.

Choose a private student loan with competitive rates.

SoFi has private student loans for your education.

Why choose a SoFi private student loan?

Estimate your private student loan payments

SoFi was named Best Student Loan by Money.com.

SoFi is trusted by over 1,195 universities nationwide as a recommended lender.

Bankrate named SoFi Best Student Loan for Borrowers with Good Credit.

SoFi student loans versus other private education loans.

How to apply for Private Student Loans from SoFi

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Check out rates and terms.

Fund your private student loan.

Student loan eligibility requirements

When you can apply for SoFi private student loans

Understanding student loans: tools, tips, resources, and more.

FAQs

Financial Aid Officers

To improve the lives of students, we’re constantly improving our product.

We know student loans.

Loans that work for your students’ needs.

We support multiple certification and disbursement methods.

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Private Student Loan

Undergrad Rates & Terms

SoFi has private student loans
for your education.

Understanding student loans: tools,
tips, resources, and more.

To improve the lives of students,

we’re constantly improving our product.

Ready for a user-friendly
investing experience?