Private Student Loans SEM
Get a no-fee
student loan that fits.
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.
Repay your way.
Pick the repayment option that works for you and your budget.
Deferred
Start paying principal and interest payments six months after you leave school.
- No payments while in school
- Highest overall cost option
Not available for parent student loans
Interest only
Pay only interest payments while you’re in school.
- Moderate payment while in school
- Reduces overall cost
Not available for parent student loans
Partial
Pay a $25 fixed monthly payment while you’re in school.
- Lowest payment option while in school
- Reduces some of the overall cost
Immediate
Start paying principal and interest payments right away.
- Highest payment option while in school
- Lowest overall cost option
View undergraduate repayment examples
Flexible rates and terms so you can choose what’s right for you.
You’ve got choices. Choose a fixed rate or keep things flexible with a variable rate.
View your rate
Checking won’t affect your credit score.†
SoFi has private student loans for a range of educations.
We offer diverse options for college students at many different stages of their academic careers. Whether you’re just starting as an undergrad or going for a medical degree, we have you covered.
Learn more
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Get started in minutes.
It’s that fast. Find your loan rate in just a few clicks.
View your rate
Checking won’t affect your credit score.†
* Interest Rates: Eligibility and Important Details. Fixed rates range from 3.18% APR to 15.99% APR with 0.25% autopay discount. Variable rates range from 4.39% 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 SoFi.com/eligibility. 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.
