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Men Dig the ‘No Buy’ Trend, Too

Avoiding alcohol or joining a gym are classic moves for January, but is 2025 the year more of us embrace a new approach to money?

One of the New Year’s trends reportedly gaining in popularity is being dubbed ‘No Buy’ or ‘Low Buy’ and celebrates eliminating — or at least significantly cutting back — unnecessary spending.

Scores of people have flocked to social media to share their No Buy rules, which often require using things up, preparing more meals at home, and avoiding online shopping triggers. Many have pledged to stop spending on what’s known as fast fashion (the latest celebrity styles and designer knockoffs,) new makeup, or Starbucks. Others are cutting impulse home decor shopping and trips to places like Target and T.J.Maxx.

While the trend has so far been dominated by female social media creators, anyone can participate. One no-buyer took to Reddit to ask why he couldn’t find a single man on YouTube talking about their no-buy/low-buy plans: “It made me feel quite alone so I thought I would ask here. Am I just a very odd guy with an online shopping problem?”

No, Reddit guy, you are not. Although plenty of the online posts focus on spending categories associated with the female wallet, the purpose of the trend is to promote more intentional spending — and that’s a goal that spans genders. TikTok user Jared pledged to avoid using buy-now-pay-later apps after he racked up too much debt. Stephen took to the platform vowing to use up the food in his deep freezer and curtail DoorDash orders.

(The movement has gained particular momentum on TikTok, but if TikTok is forced to go dark in the U.S., those hopeful no-buyers can always turn to Reddit or Instagram, or even pick up a good old-fashioned book for moral support.)

So what? Anybody can adopt a No Buy attitude, whether they feel like they have a spending “problem” or not. The goal isn’t just to stop shopping on the categories social media has determined aren’t worth your money. It’s to exercise self-restraint and take control of your finances in whatever way aligns with your values. You make the rules, so make it work for you.

Related Reading

•   We Have Enough Stuff. No-Buy 2025 Offers Other Ways to Fill the Void. (Washington Post via Yahoo)

•   The Ultimate Guide to a No-Buy Year (Becoming Minimalist)

•   Needs vs Wants: Knowing the Difference for Budgeting (SoFi)


photo credit: iStock/anyaberkut

Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.

The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.

SoFi isn't recommending and is not affiliated with the brands or companies displayed. Brands displayed neither endorse or sponsor this article. Third party trademarks and service marks referenced are property of their respective owners.

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How an IRA Rollover Can Streamline Your Retirement Savings

We’re back again with the third installment in our series on saving for retirement. First, we explored why habit formation is so important when it comes to long-term savings and investments. Second, we tackled why there is no one-size-fits-all solution. And today, we get into how streamlining your retirement portfolio with an individual retirement account (IRA) can potentially help you reach your goals.

Retirement planning can be a complex process with many moving parts. On top of identifying and keeping up with your goals and strategy, there’s the matter of maintaining your accounts – each with its own contribution schedules, rules, and potential fees.

Plus, depending on where you are in your career, and how many jobs you’ve had, you may be juggling multiple different accounts, such as plans sponsored by current and former employers (401(k)s), or an Individual Retirement Account (IRA) or two. That can make tracking and managing your retirement savings challenging.

IRAs and 401(k)s are both great for retirement saving, and they both offer tax advantages. (They are tax-deferred accounts, meaning you pay taxes on withdrawals – but not on contributions.) A 401(k) plan has higher contribution limits ($23,500 in 2025) and sometimes comes with a free contribution match from your employer (not all employers offer retirement benefits). Meanwhile, an IRA (with a lower, $7,000 contribution limit) offers much more flexibility when it comes to picking your investments and is accessible to anyone who has earned income.

Streamlining your savings and investments by reducing the number of accounts you have may make managing your finances more efficient, make it easier to keep track of your money, and give you greater insight into progress toward your goals. And there’s a special maneuver for it: the IRA rollover.

Racking Up 401(k)s

Keeping tabs on a multitude of retirement accounts can be tricky. So do you just leave old investments where they are? Of course, it’s easier to just keep your money in an existing 401(k) – it requires no action or additional decision making. But there are potential drawbacks, too.

•   Fees: There may be a financial burden in the form of fees charged on investments in your old 401(k)s. This may be harder to track across multiple plans, while having fewer accounts could potentially help minimize this burden. (This doesn’t mean fees will categorically be lower when investing through an IRA.)

•   Knowing your investments: Over time, you may also lose track of old accounts or the specific investments in them. If you made the selections years ago, they may not correspond with your current preferences and risk tolerance. That’s key – because a traditional rule of thumb suggests to invest more aggressively early on in your savings journey, before gradually dialing it back to more conservative investments as you approach retirement. You can only do that if you’ve got a handle on the particulars of your portfolio.

•   Admin: Then there’s the more administrative burden of selecting beneficiaries on multiple plans, and having several different accounts, starting with an array of logins and passwords.

Americans had some $1.65 trillion of assets sitting in stale 401(k)s as of May 2023, according to rollover services firm Capitalize. Of course, this money isn’t lost. But it may be stuck in an account that no longer serves your financial goals. Consolidating multiple old accounts into one could potentially make it easier to manage the money and ensure that it’s aligned with your preferences.

Rolling an old 401(k) into an IRA rollover can be an efficient way to do that.

This transfer of money from one qualified tax-sheltered account to another doesn’t incur any costs. That means you won’t have to pay a withdrawal penalty or any taxes on the rollover itself while combining all of your old 401(k) savings in a single account. Nifty, right?

Even though it’s pretty straightforward, it may be seen as a big obstacle or a lot of work. SoFi has teamed up with Capitalize to make the transition fast and easy and offers a 1% match for any rollovers and contributions to a SoFi IRA.

Read more about the rules surrounding rollovers here.

How an IRA Rollover Can Serve You and Your Savings

Rolling your 401(k) into an IRA may provide greater visibility into your investments because you can build your own portfolio. And remember, while you may have collected a free contribution match from your employer during your tenure, this match would have ceased after you’ve left the company.

Many 401(k)s offer a more limited selection of portfolios or investments. In contrast, an IRA gives you much more freedom, including your choice of stocks, bonds, mutual funds, and real estate. This may be especially appealing if you want your investments to reflect your values, like environmental, social or governance (ESG) issues, or focus on specific sectors or technologies.

If you think an IRA rollover may be right for you, check out how SoFi may be able to help you.

A rollover is not your only option when it comes to managing old 401(k)s. You can always leave your old plan as is and withdraw your money when you’re 59½, or explore rolling it into your current employer’s plan. Consider the ramifications and your individual financial situation before you make a decision, and speak to a financial advisor if you need guidance.


image credit: Bernie Pesko

photo credit: iStock

Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.

The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.

SoFi isn't recommending and is not affiliated with the brands or companies displayed. Brands displayed neither endorse or sponsor this article. Third party trademarks and service marks referenced are property of their respective owners.

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Duke University Tuition and Fees


Duke University Tuition and Fees

Duke University Tuition and Fees

On this page:

    By Kelly Boyer Sagert

    (Last Updated – 01/2025)

    Duke is a prestigious university with outstanding academics and an interdisciplinary approach to learning. It’s also well-known for its athletic programs: Duke’s basketball team (the Blue Devils) is one of the most successful in the country.

    Total Cost of Attendance

    Duke tuition, housing, and fees were as follows in 2023-24:

    •  Duke University tuition: $65,805, 5% higher than the previous year

    •  Books and supplies: $1,602, up 11% over the previous year

    •  Room and board: $17,458, 4.8% less than the previous year

    •  Other fees: $2,207, up 11.7% over the previous year

    •  Total expenses: $87,072, 5.2% higher than the previous year

    Financial Aid

    Duke University meets 100% of the demonstrated need for undergraduates, providing $149 million annually in grant aid.

    In 2022-23, 56% of first time, full-time undergraduates received some sort of financial aid. More specifically:

    •  Grant or scholarship aid: 41% of students received this type of funding with the average award being $59,327

    •  Federal grants: 11% of students received this type of funding with am average award of $8,830

    •  Pell grants: 11% of students received this type of funding with the average award being $5,507

    •  Other federal grants: 10% of students received this type of funding with an average award of $3,968

    •  State/local: 2% of students received this type of funding with the average award being $6,611

    •  Institutional: 41% of students received this type of funding with an average award of $56,922

    •  Student loan aid: 16% of students received this type of funding with the average award being $11,551

    •  Federal student loans: 15% of students received this type of funding with an average award of $4,426

    •  Other student loans: 3% of students received this type of funding with the average award being $34,387

    Generally, financial aid is monetary assistance awarded to students based on personal need and merit. Students who qualify for financial aid can use it to pay for college costs like tuition, books, and living expenses.

    The federal government is the largest provider of student financial aid. However, aid can also be given by state governments, colleges and universities, private companies, and nonprofits. The different types include:

    •  Scholarships: These can be awarded by schools and other organizations based on students’ academic excellence, athletic achievement, community involvement, job experience, field of study, or financial need.

    •  Grants: Generally based on financial need, these can come from federal, state, private, or nonprofit organizations.

    •  Work-study: This federal program provides qualifying students with part-time employment to earn money for expenses while in school.

    •  Federal student loans: This is money borrowed directly from the U.S. Department of Education. It comes with fixed interest rates that are typically lower than private loans.

    Colleges, universities, and state agencies use the Free Application for Federal Student Aid (FAFSA) to determine financial aid eligibility. The FAFSA can be completed online, but note that state, federal, and school deadlines may differ.

    You can find other financial aid opportunities on databases such as:

    •  US Department of Education – Search for grants from colleges and universities by state

    •  College Scholarship Service Profile (CSS) – A global college scholarship application used by select institutions to award financial aid

    Recommended: The Differences Between Grants, Scholarships, and Loans

    Private Student Loans

    In 2022-23, 3% of students received private student loans, with the average award being $34,387. Duke University provides a resource for students wishing to explore private loans.

    Private loans are funded by private organizations such as banks, online lenders, credit unions, some schools, and state-based or state-affiliated organizations. While Federal student loans have interest rates that are regulated by Congress, private lenders follow a different set of regulations so their qualifications and interest rates can vary widely.

    What’s more, private loans have variable or fixed interest rates that may be higher than federal loan interest rates, which are always fixed. Private lenders may (but don’t always) require you to make payments on your loans while you are still in school, compared to federal student loans, which you don’t have to start paying back until after you graduate, leave school, or change your enrollment status to less than half-time.

    Private loans don’t have a specific application window and can be applied for on an as-needed basis. However, if you think you may need to take out a private loan, it’s a good idea to submit your FAFSA first to see what federal aid you may qualify for as it generally may have better rates and terms.

    If you’ve missed the FAFSA deadline or you’re struggling to pay for school during the year, private loans can potentially help you make your payments. Just keep in mind that you will need enough lead time for your loan to process and for your lender to send money to your school.

    Recommended: Guide to Private Student Loans

    Projected 4-Year-Degree Price

    Duke’s cost of attendance for 2023-24 was $87,072. Over a four year period, this would equal $348,288, not accounting for cost increases.

    Here’s some North Carolina Student Loan & Scholarship Information for you.

    Repay student loans your way.

    Find the monthly
    payment & rate that fits your budget.

    Undergraduate Tuition and Fees

    In 2023-24, Duke University tuition was $65,805, 5% higher than the previous year. Total cost of attendance was $87,072. In the same year, the average total cost for a private four-year university was $60,420.

    Recommended: Scholarship Search – College Scholarships Finder Tool

    Graduate Tuition and Fees

    In 2022-23, the average Duke University tuition for graduate students was $60,220 with fees of $1,302 for a total of $61,522. In the U.S., the average graduate student spends $23,130 each year on school.

    Cost per Credit Hour

    Using the current Duke tuition of $60,244 and assuming two semesters at 15 hours each, the cost per credit hour at Duke is Students who register for no more than 2.5 courses in a semester are considered part-time students. Part-time students pay a tuition rate of $7,553; half course, $3,776; quarter course, $1,888.

    Campus Housing Expenses

    In 2023-24, room and board cost $17,458, which was 4.8% more than the previous year.
    Duke provides guidance for finding off-campus housing with a sampling of current listings:

    •  Studio: $1,431

    •  1 Bedroom: $1,532

    •  2 Bedrooms: $1,875

    Note that apartment leases may require you to sign for a full year rather than just the academic one.

    Duke University Acceptance Rate

    In fall 2023, 46,365 people applied to the university. The Duke University acceptance rate is just 7%, meaning the school is highly competitive.

    Admission Requirements

    Early Decision applications are due on November 4 of the previous year, and Regular Decision applications due on January 2 of the academic year.

    Duke University is test-optional during 2024-25. When applying, you must provide:

    •  Transcripts

    •  Three letters of recommendation: one from a school counselor and two from teachers in major academic courses

    •  Extracurricular activities (up to 10) with sustained commitment is more impressive than a long list

    •  Essay and writing prompt answers

    What’s optional:

    •  One personal recommendation letter from a mentor, employer, or other person who knows you well

    •  An interview with a Duke alumni, if offered to you

    SAT and ACT Scores

    Duke is a test-optional university during 2024-25. In fall 2023, 50% of applicants submitted SAT scores and 31% submitted ACT scores with the following 25th and 75th percentile numbers:

    Subject

    25th Percentile

    75th Percentile

    SAT Evidence-Based
    Reading/Writing

    740

    770

    SAT Math

    770

    800

    ACT Composite

    34

    35

    ACT English

    35

    36

    ACT Math

    32

    35

    Graduation Rate

    For students who began their studies in fall 2017, here are the graduation rates:

    •  4 years: 88%

    •  6 years: 96%

    Post-Graduation Median Earnings

    Graduates of the university earn a median salary of $98,000 compared to a national average for college graduates of $68,516, making Duke graduate salaries 43% higher.

    Bottom Line

    Duke is a prestigious school offering a top-notch education in a variety of fields. It can be very difficult to get in: The Duke acceptance rate of 7% is extremely competitive. Duke University tuition is higher than average; however, the institution is generous with grants and scholarships, and graduates typically go on to earn significantly more than the median amount.

    SoFi private student loans offer competitive interest rates for qualifying borrowers, flexible repayment plans, and no origination fees.

    View Your Rate

    SoFi Private Student Loans
    Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
    Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).
    SoFi Bank, N.A. and its lending products are not endorsed by or directly affiliated with any college or university unless otherwise disclosed.


    SoFi Loan Products
    SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.


    Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

    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.

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    Purdue University Tuition and Fees


    Purdue University Tuition and Fees

    On this page:

      By Susan Guillory

      (Last Updated – 01/2025)

      Total Cost of Attendance

      Purdue University, located in West Lafayette, Indiana, is well-known for its engineering, education, business, and nursing programs. Purdue tuition for the 2023-24 school year was $9,992 for in-state students and $28,794 for out-of-state students. Notably, tuition has not increased for several years, although other expenses have. Purdue tuition is comparable to the national averages of $11,260 for in-state students and $29,150 for out-of-state students.

      Costs for 2023-24

      Student Type

      In-State

      Out-of-State

      Tuition & Fees

      $9,992

      $28,794

      Books & Supplies

      $1,030

      $1,030

      Room & Board

      $11,650

      $11,650

      Other Expenses

      $2,210

      $2,210

      Total Cost of Attendance

      $24,862

      $43,684

      Financial Aid

      More than half of students at Purdue (60%) use student loans, grants, or scholarships to cover Purdue tuition. There are many financial aid options available.

      Generally, financial aid is monetary assistance awarded to students based on personal need and merit. Students who qualify for financial aid can use it to pay for college costs like tuition, books, and living expenses.

      The federal government is the largest provider of student financial aid. However, aid can also be given by state governments, colleges and universities, private companies, and nonprofits. The different types include:

      •  Scholarships: These can be awarded by schools and other organizations based on students’ academic excellence, athletic achievement, community involvement, job experience, field of study, or financial need.

      •  Grants: Generally based on financial need, these can come from federal, state, private, or nonprofit organizations.

      •  Work-study: This federal program provides qualifying students with part-time employment to earn money for expenses while in school.

      •  Federal student loans: This is money borrowed directly from the U.S. Department of Education. It comes with fixed interest rates that are typically lower than private loans.

      Colleges, universities, and state agencies use the Free Application for Federal Student Aid (FAFSA) to determine financial aid eligibility. The FAFSA can be completed online, but note that state, federal, and school deadlines may differ.

      You can find other financial aid opportunities on databases such as:

      •  US Department of Education – Search for grants from colleges and universities by state

      •  College Scholarship Service Profile (CSS) – A global college scholarship application used by select institutions to award financial aid

      Recommended: The Differences Between Grants, Scholarships, and Loans

      Private Student Loans

      One form of financial aid to help with Purdue University tuition is a student loan: 27% of students take out federal student loans, while 6% take out private loans. The average private student loan is $19,587.

      Private loans are funded by private organizations such as banks, online lenders, credit unions, some schools, and state-based or state-affiliated organizations. While Federal student loans have interest rates that are regulated by Congress, private lenders follow a different set of regulations so their qualifications and interest rates can vary widely.

      What’s more, private loans have variable or fixed interest rates that may be higher than federal loan interest rates, which are always fixed. Private lenders may (but don’t always) require you to make payments on your loans while you are still in school, compared to federal student loans, which you don’t have to start paying back until after you graduate, leave school, or change your enrollment status to less than half-time.

      Private loans don’t have a specific application window and can be applied for on an as-needed basis. However, if you think you may need to take out a private loan, it’s a good idea to submit your FAFSA first to see what federal aid you may qualify for as it generally may have better rates and terms.

      If you’ve missed the FAFSA deadline or you’re struggling to pay for school during the year, private loans can potentially help you make your payments. Just keep in mind that you will need enough lead time for your loan to process and for your lender to send money to your school.

      Recommended: Guide to Private Student Loans

      Projected 4-Year-Degree Price

      Based on 2023-24 numbers, Purdue tuition for four years would cost $99,528 for in-state students and $174,736 for out-of-state students. For comparison, the average total cost for four years for a public university in the U.S. is $115,360 for in-state, and $186,920 for out-of-state.

      Here’s some Indiana Student Loan & Scholarship Information for you.

      Repay student loans your way.

      Find the monthly
      payment & rate that fits your budget.

      Undergraduate Tuition and Fees

      Costs for 2023-24

      Student Type

      In-State

      Out-of-State

      Tuition & Fees

      $9,992

      $28,794

      Room & Board

      $11,650

      $11,650

      Total Cost of Attendance

      $24,882

      $43,684

      In 2023-24, students who lived in Indiana paid a total of $24,882 for tuition, fees, and room and board. Those who came from other states paid $43,684.

      Graduate Tuition and Fees

      Costs for 2023-24

      Student Type

      In-State

      Out-of-State

      Tuition

      $9,718

      $28,520

      Fees

      $274

      $274

      Total

      $9,992

      $28,794

      Purdue tuition for graduate school was $9,992 for in-state students in 2023-24 and $28,794 for out-of-state students. The overall average cost of graduate school tuition in the U.S per year is $21,730. There are graduate loans available to help with these costs.

      💡 Quick Tip: Graduate student loans can help cover tuition, fees, and other education-related expenses.

      Cost per Credit Hour

      To attend Purdue part-time, in-state students pay $347.85 and out-of-state students pay $948.30 per credit. You may also be eligible to take out student loans as a part-time student.

      Campus Housing Expenses

      Costs for 2023-24

      Student Type

      On-campus

      Off-campus

      Books & Supplies

      $1,030

      $1,030

      Room & Board

      $11,650

      $12,390

      Other Expenses

      $2,210

      $2,210

      At Purdue University, freshmen are not required to live on campus, though most do. Students can opt to live in university residences, cooperative housing, or fraternity or sorority houses. Those who choose to live off-campus have many options in housing, either living alone or with roommates.

      Purdue University Acceptance Rate

      Fall 2023

      Number of applications

      73,083

      Number accepted

      36,542

      Percentage Accepted

      50%

      The Purdue acceptance rate is 50%, based on fall 2023 figures.

      Admission Requirements

      Here’s what’s required with your application to Purdue University.

      Required:

      •  Self-reported high school grades

      •  SAT or ACT scores

      Recommended:

      •  Recommendations

      The deadline for Early Action is November 1, with a decision given by January 15. The Regular Decision deadline is January 15, with a decision given by March 31. You can apply to Purdue here .

      SAT and ACT Scores

      SAT or ACT scores are required for first-time, first-year applicants. (In past years, Purdue was test-flexible, which means SAT and ACT scores were not required.) Here are the average scores at the 25th and 75th percentile.

      Subject

      25th Percentile

      75th Percentile

      SAT Evidence-Based
      Reading/Writing

      590

      710

      SAT Math

      600

      750

      ACT Composite

      27

      34

      ACT English

      26

      35

      ACT Math

      26

      33

      Graduation Rate at Purdue

      The graduation rate for students who started at Purdue in fall 2017 was 83%.

      Post-Graduation Median Earnings

      After graduating from Purdue, students earn, on average, $72,000 a year. This is higher than the national average for graduates of four-year institutions of $68,516.

      Bottom Line

      Purdue University offers a top-notch education at an affordable price, and student loans can help you pay for it. Once you graduate, you’ll have the opportunity to earn good money in your career.

      SoFi private student loans offer competitive interest rates for qualifying borrowers, flexible repayment plans, and no origination fees.

      View Your Rate

      SoFi Private Student Loans
      Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
      Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).
      SoFi Bank, N.A. and its lending products are not endorsed by or directly affiliated with any college or university unless otherwise disclosed.


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