International Student Loans
Make your
college
dreams a
reality in the U.S.
You don’t have to pay higher
rates for student
loans just
because
you’re an international
student.
With a student loan
from SoFi,
you’re eligible for
the same rate as U.S. students.
View your rate
Terms and conditions apply. See https://sofi.com/eligibility-criteria for details.
Who’s eligible to apply for international student loans with SoFi?
To be eligible for an international student loan, you need to have:
-
A Social Security number (SSN) or
Individual Tax
Identification
Number (ITIN)
-
-
Current and valid immigration
documentation
View your rate
Cosigner requirements for international student loans.
International students aren’t required to have a cosigner to qualify for a student loan from SoFi. However, we recommend borrowers apply with a qualified cosigner to increase their chances of being approved and/or receiving a more favorable rate.
Learn more about cosigners →
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Why apply for a SoFi international student loan?
Rewards for good grades.1
If you have a SoFi Checking and Savings account, you can receive a Good Grades cash bonus for each term you maintain a 3.0 GPA or higher. Don’t have a SoFi Checking and Savings account? Signing up is quick and easy.
You shouldn’t have to pay extra for paying off your student loans early.There are no prepayment penalties with an international student loan from SoFi.
Competitive interest rates.
Easily earn rewards points* by checking your credit score and more. Then, redeem them toward your student loan.
International student loans from SoFi don’t have any origination or late fees.
Flexible repayment options.
Whether you want to start repayment right away or wait until after you finish school, you can choose the repayment plan that works best for you.
When you take out an international student loan through SoFi, you get member benefits access to all our, including experiences and events.
How to apply for SoFi international student loans:
-
Fill out our quick application.
Provide a few pieces of basic information and invite a cosigner to the application, if you’re using one.
-
Choose your rate and repayment terms.
Check out your rate options, loan terms, and estimated monthly payment.
-
Sign and accept your loans.
If approved, sign your loans and wait for your school’s approval.
View your rate
Money tips for international students.
FAQs
Do international students qualify for federal financial aid?
Most international students aren’t eligible for federal financial aid unless they meet specific criteria. This is why many international students search for aid from private student loan lenders.
Do student who are studying outside of the United States qualify for international student loans?
No. SoFi doesn’ t offer loans for students to attend international schools. SoFi International Student Loans are for international students who are coming to the US to go to school.
Can I refinance my student loans as an international student?
While many refinancing companies require you to be a U.S. citizen or permanent resident to be eligible for student loan refinancing, some companies provide more flexibility, including SoFi. Learn more about how to refinance student loans as an international student.
How do I get a loan to study abroad as a U.S. citizen?
To qualify for a loan to study abroad as a U.S. citizen, you can apply for federal student loans if your study abroad program is approved by your home institution and eligible for federal aid. Alternatively, you can explore private student loans from lenders that offer financing for international education, ensuring the loan covers your chosen program and destination.
How do I repay international student loans ?
Repaying international student loans typically begins after you’re finished with school or once the grace period ends, depending on your loan terms. You can make payments through your loan servicer’s online portal, often using electronic transfers or international payment platforms if you’re outside the lending country. If you have an international loan through SoFi, you can make payments online.
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