Jun

2017

How to Financially Care for Your Parents As They Get Older

Think about your best memories of your parents while you were growing up for a moment. Maybe it’s the year they finally bought that bike you wanted for your birthday, or all the times you opened the freezer to see it stocked with mint chocolate chip ice cream, because mom knew it was your favorite.

It’s worth pondering as you take in your parents now, as they grow older. You might be wondering when you’ll be returning the favor of taking care of them, and more importantly, how.

Jun

20

2017

Personal Loan – Stearns

By Eujin Rhee | Uncategorized | Comments Off

Give your new home an upgrade.

Stearns and SoFi are teaming up to offer low-rate personal loans—perfect for home improvements, big purchases, or debt consolidation. Turn your new home into your dream home with fast financing, fixed payments, and no hidden fees.

Fixed rates start at (with Autopay)⁵

8.74% APR

No origination fees, no prepayment penalties.

Find My Rate

Checking your rate will not affect your credit score^✝.

Welcome Stearns Customers

With low rates and a fixed monthly payment, you can pay off high interest debt, like credit cards, or make a major purchase. Whether remodeling the kitchen, replacing the roof, or landscaping the backyard, SoFi can help you pay for improvements to make your home sweet home. It only takes minutes to apply.

Why SoFi?

Instant Application

No need to wait weeks for an appraisal. Get pre-qualified instantly and receive your funds fast so you can get started right away.

No Hidden Fees

Unlike some home equity loans, there are no origination fees, no closing costs, and no costly home appraisals.

No Collateral

Without equity, it’s hard to get a HELOC on a new home. With SoFi, your home is not on the line.

Flexible Amounts

Borrow what you need—as little as $5,000 or as much as $100,000.

Find My Rate

PERSONAL LOAN COMPARISON⁶

Many people think of home equity when it comes to borrowing larger amounts, but home equity loans typically have a lengthy approval process and potentially lots of fees, including getting your home appraised. The ease of obtaining a personal loan makes it an appealing alternative to a home equity loan. Plus there’s no collateral, so you don’t have to put your home on the line when you borrow. And with SoFi you can borrow up to $100K, unlike some other online lenders that max out at $35K.

	SoFi Personal Loan	Home Equity Loan
Instant Online Application
Receive Funds Within a Week
No Origination Fees
No Pre-Payment Penalties
No Home Appraisal
No Home Equity Required
Low Rates Secured by Your Home
Tax-Deductible Interest

Find My Rate

View Payment Examples

So Easy

Find Your Rate

Get pre-qualified online with no hidden fees and no obligation.

Select Your Loan & Apply

Choose the loan that works for you and complete your application.

Sign electronically and receive your funds

Sign your documents and funds are deposited to your account.

Get Started

Jun

19

2017

5 Personal Finance Tips for Nurses Fresh Out of Nursing School

By SoFi | Career, student_loan | No Comments

If you just graduated from nursing school, personal finance is probably the last thing on your mind. You’ve burned the midnight oil memorizing medical terms that sound like a foreign language. You’ve put in rough clinical hours dealing with trying patients. You’re cramming for the NCLEX. And you’re ready to get out there and just do the job.

You might be thinking, “I went to school for a solid career, so the money will take care of itself.” Nurses do make pretty good salaries—you’re not wrong about that. In 2016, on average nurse practitioner made nearly $105,000 a year, registered nurses made more than $72,000, and practical and vocational nurses made $44,000. Demand for nurses of all stripes is growing, with the number of positions expected to increase between 16 and 31%, depending on the role, in the decade through 2024, according to the Bureau of Labor Statistics.

Jun

19

2017

This Is the Exact Personal Finance Advice All Engineering Grads Need

By SoFi General | Career, student_loan | No Comments

Living as an engineering student for years, on a student budget, requires a very special set of financial survival skills. Ingrained habits like living frugally, postponing major expenses, and maybe not looking too hard at your debt balances while your loans are in deferment are necessary for getting through when money is tight.

As a newly-minted engineer, you should enjoy the rewards of completing this stage of your education, because you’ve certainly earned it. But don’t let the frugal mindset that propelled you during your college years start to withdraw as those first hefty engineering salary paychecks roll in. Even if you don’t see yourself becoming a big spender, when the transition from student to full-time employment happens, it’s easy to just tear up your student budget without creating a new one.

Jun

19

2017

Student Loan Refinance – Lawyers

By Eujin Rhee | student_loan | Comments Off

Student Loan Refinancing

Consider us
your partner
in
paying off student debt.

Find My Rate

Checking your rate will not affect your credit score^✝.

Rates and Terms

Whether you’re looking to lower your monthly payments or pay off your loans as soon as possible, we have flexible terms and rates to suit your plan.

Variable Rate

Rates start from 5.99% APR to
9.99% APR (with AutoPay).¹

Fixed Rate

Rates available from 4.24% APR to
9.99% APR (with AutoPay).¹

Find My Rate

Learn More

Why Refinance Student Loans with Sofi?

Serious
Savings

Low fixed and variable rates. No application or origination fees.

Federal + Private

We’re one of the few lenders that consolidate and refinance both federal and private loans.

Exclusive
Rates

Get a 0.125% rate discount^✝✝ on an additional SoFi loan just for being a member.

Unemployment
Protection³

If the unexpected happens, we’ll temporarily pause your loan payments and help you in your job search.

Career
Support

Work one-on-one with a SoFi Career Advisor to get personalized career support.

Leading
Insight

SoFi is a leading student loan refinancing provider in the U.S. with over $30 billion+ in loans originated to date.^**

Find My Rate

Three Easy Steps

We make it easy. If you have questions, our customer support team is here to help you through the process—seven days a week.

Online Pre-Approval

Our two-minute pre-approval process lets you know if you qualify before starting the application.

Select a Loan

Compare the plans available to you with specific payments, rates, and terms.

Upload & Sign

Easily upload documents via screenshots or smartphone photos, then sign electronically.

Get Started

More Resources

Five years to becoming debt free

How one attorney paid off six-figure law school debt with SoFi after graduating Harvard law.

Four lawyers get candid about life, career aspirations, and law school debt

Navigating careers, discovering new passions and closing the case on their student debt.

SoFi’s 2017 law school rankings

What is consolidation, what is refinancing, and how do you know which one (if either) is right for your financial goals?

View On the Money

Questions? Call us for a free consultation at
855-456-7634.

Find My Rate

Personal Loan Terms

Fixed rates from 8.74% 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 12/14/25 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%-6%, 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 % APR to % 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; specifically, no origination fees, 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 8.74% 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.

SoFi Blog

Tips and news—
for your financial moves.

How to Financially Care for Your Parents As They Get Older

Personal Loan – Stearns

Give your new home an upgrade.

Welcome Stearns Customers