SoFi Blog

Tips and news—
for your financial moves.

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6 Ways to Help Minimize the Stress of Exams

If you’re a college student, you’ll almost certainly need to take plenty of tests, especially during the midterm and final exam periods each semester. This can be a stressful time, as it’s likely these tests will have a big impact on your grades.

Strategies for how to handle exam stress most effectively will vary from student to student, but it’s important to get the emotional support you need from friends, family members, and classmates. For example, you could think about the good friend who makes you laugh and puts life into perspective—then call, text, or visit them.

Being prepared can also help you deal with stress. We’ve pulled together six strategies that might make test-taking season easier by ensuring that you’re well prepared.

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hands wrapping a gift

5 New Baby Gifts (That Are More Useful Than Clothes)

Of course, there’s nothing wrong with giving expectant parents baby clothes (and those adorable little outfits can be so tempting to buy!). But, babies grow out of clothing quickly. Depending upon how fast they grow, you may purchase clothing that seasonally just doesn’t match with the baby’s size—and so, they never get worn.

Instead of buying the first cute outfit you see, think about a gift that might be more impactful than clothes. We’ve compiled five new baby gift ideas that are both thoughtful and practical—and go beyond the onesie.

These gifts range from those that can meet an immediate need to those that help parents to plan for their child’s future. Each of these ideas will work just as well as new baby girl gifts as they do for baby boys (and vice versa!).

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Undergraduate Student Loans – DM





Checking your rate will not

affect your credit score.


A better way to pay
for school.

SoFi’s helped 550,000+ grads refinance their student debt.
Now we’re helping undergraduates pay for school with low-rate
private school loans.

All online. All easy.

Finish our fast and easy online application all in minutes—and add a cosigner in just a few clicks.

No fees. No fuss.

No fees means no fees. That means no origination fees, no late fees, and no insufficient funds fees. Period.

100% covered.

Get peace of mind knowing SoFi will cover the full cost of attendance.

Save money.

Better rates and more savings versus other private lenders.


Choose from low fixed or variable rates.

Fixed

5.05% – 11.71% APR*

with autopay

Variable

3.43% – 11.03% APR*

with autopay

Not sure which to choose?

Learn more.→



Need a cosigner?

Most undergrad students have limited credit history and income. Adding a cosigner with a solid financial history
and good credit may help improve your chances of loan approval—and sometimes even a lower interest rate. You and
your cosigner can see what rates and terms you pre-qualify for before submitting your full application—and it
won’t impact your credit score.




Learn more about choosing a cosigner.

Learn more.→


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

  • Interest only

    Pay only interest payments while you’re in school.

  • Moderate payment while in school
  • Reduces overall cost

  • 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


  • How it works:

    1

    Apply online in just minutes.

    Get your rate fast and find out if you’re pre-qualified
    before you even finish the full application. Seamlessly add
    a cosigner in just a few clicks.

    2

    Select your rate and repayment option.

    Choose from fixed or variable rates.
    Then, pick from four repayment options.

    3

    Sign and accept your loan.

    Upload screenshots of your info, sign your paperwork
    electronically, and voilà—your work is done!
    We’ll handle it from here.















    FAQs












    Get started in minutes.

    Find your loan rate in just a few clicks.

    Read more

    Undergraduate Student Loans – DM (Member)





    Checking your rate will not

    affect your credit score.


    A better way to pay
    for school.

    SoFi’s helped 550,000+ grads refinance their student debt.
    Now we’re helping undergraduates pay for school with low-rate
    private school loans.

    All online. All easy.

    Finish our fast and easy online application all in minutes—and add a cosigner in just a few clicks.

    No fees. No fuss.

    No fees means no fees. That means no origination fees, no late fees, and no insufficient funds fees. Period.

    100% covered.

    Get peace of mind knowing SoFi will cover the full cost of attendance.

    Save money.

    Better rates and more savings versus other private lenders.


    Choose from low fixed or variable rates.

    Fixed

    5.05% – 11.71% APR*

    with autopay

    Variable

    3.43% – 11.03% APR*

    with autopay

    Not sure which to choose?

    Learn more.→



    Need a cosigner?

    Most undergrad students have limited credit history and income. Adding a cosigner with a solid financial history
    and good credit may help improve your chances of loan approval—and sometimes even a lower interest rate. You and
    your cosigner can see what rates and terms you pre-qualify for before submitting your full application—and it
    won’t impact your credit score.




    Learn more about choosing a cosigner.

    Learn more.→


    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

  • Interest only

    Pay only interest payments while you’re in school.

  • Moderate payment while in school
  • Reduces overall cost

  • 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


  • How it works:

    1

    Apply online in just minutes.

    Get your rate fast and find out if you’re pre-qualified
    before you even finish the full application. Seamlessly add
    a cosigner in just a few clicks.

    2

    Select your rate and repayment option.

    Choose from fixed or variable rates.
    Then, pick from four repayment options.

    3

    Sign and accept your loan.

    Upload screenshots of your info, sign your paperwork
    electronically, and voilà—your work is done!
    We’ll handle it from here.
















    FAQs












    Get started in minutes.

    Find your loan rate in just a few clicks.


    Read more
    school textbooks

    A Look Into Elizabeth Warren’s Free College Plan

    In our efforts to bring you the latest updates on things that might impact your financial life, we may occasionally enter the political fray, covering candidates, bills, laws and more. Please note: SoFi does not endorse or take official positions on any candidates and the bills they may be sponsoring or proposing. We may occasionally support legislation that we believe would be beneficial to our members, and will make sure to call it out when we do. Our reporting otherwise is for informational purposes only, and shouldn’t be construed as an endorsement.



    Massachusetts senator and Democratic presidential candidate Elizabeth Warren is taking charge of the heated national conversation regarding out-of-control college tuition costs. In April 2019, she released a $1.25 trillion proposal that addresses increasing college expenses and the widening student debt crisis.

    “Higher education opened a million doors for me,” the senator wrote when she introduced the plan in a post on Medium . “It’s how the daughter of a janitor in a small town in Oklahoma got to become a teacher, a law school professor, a U.S. Senator, and eventually, a candidate for President of the United States. Today, it’s virtually impossible for a young person to find that kind of opportunity.”

    Read more
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