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Travel Smarter: Top Budgeting Tips and Booking Tricks
Whether you’re heading to a lakeside cabin a few hours away, cruising to the Caribbean, or splashing out on a Paris vacay, the urge to travel runs deep. But to squeeze it into your packed schedule and your budget takes some doing. We can help!
SoFi understands how you like to manage your money and your life. Here, you’ll learn how to decide where to go, uncover the best prices, and plan smarter…so you can love every minute you’re away.
Your Next Trip Starts Here
Travel today has some new ground rules and tools. Here, you’ll learn when and how to book your next trip so you get the vacation
you’re dreaming of — at the right time and price.
Travel Like a Pro
Ready, set, travel! This insider advice, culled from seasoned trip-takers, will make your journey so much smoother. The result: More fun and adventure, less stress.
Travel booking just got an upgrade.
SoFi members can now search, book, and save on travel plans through SoFi Travel.
Plus, you can instantly save 10% (or more) with SoFi member prices on select hotels.
Save even more when you add a flight, car rental or activity to your package. Terms apply.*
What’s Trending in Travel
Why not stretch your travel boundaries a little more? Here are fresh ways to see your world: cool new ways to travel, intriguing destinations, and experiences you might not have thought of — that now zoom to the top of your bucket list.
Boost Your Travel ROI
Would you like to travel more — or more luxuriously — without spending more? SoFi can show you how. Here, ways to have a
supremely restorative trip for the same money.
Make It Memorable: Special Trips
Whether you’re attending a destination wedding or planning a family reunion or other big event, learn how to make it effortless and unforgettable. These sample itineraries and practical tips will take the pressure off, so you can enjoy your quality time together.
Last-Minute Travel: Yes, You Can Pull It Off!
Been too busy to book? Or suddenly have the urge to get outta town? Here’s the scoop on how to have a spontaneous and affordable adventure.
Traveling With Kids?
Taking a trip with the clan can bond you, but it can be tricky pleasing different ages, interests, and attention spans. Try these clever success strategies.
See the States
Our country’s 50 states are packed with incredible landscapes and amazing cities. Plan your next adventure with these recommendations
from both expert and secret (Ssh!) local sources.
(More cities to come!)
Ready to See the World?
Get that passport ready! Here’s the lowdown on simplifying international travel, plus the extraordinary destinations that await.
Love travel savings? Book through SoFi.
We teamed up with Expedia to help you find, book, and save on travel bookings.
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SOFI x KARA & NATE MAY 2023 SWEEPSTAKES
SOFI
SOFI x KARA & NATE MAY 2023 SWEEPSTAKES
OFFICIAL RULES
NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING.
ENTRY INTO THIS SWEEPSTAKES CONSTITUTES YOUR ACCEPTANCE OF THESE OFFICIAL RULES (“RULES”) AND THE DECISIONS OF SOFI, WHICH SHALL BE FINAL IN ALL RESPECTS. SWEEPSTAKES IS GOVERNED BY U.S. LAW AND IS SUBJECT TO ALL FEDERAL, STATE AND LOCAL LAWS, REGULATIONS, AND ORDINANCES.
SWEEPSTAKES ENTRY PERIOD: The SoFi x Kara & Nate May 2023 Sweepstakes (“Sweepstakes”) begins at 12:00:00 a.m. Eastern Time (“ET”) on May 8, 2023 and ends at 11:59:59 pm ET on June 1, 2023 (“Sweepstakes Entry Period”).
ELIGIBILITY: Sweepstakes is solely open to legal residents of the United States or the District of Columbia (except of residents of Florida), age 18 years of age or older at time of entry who become new SoFi members during the Sweepstakes Entry Period (collectively referred to as an “Entrant”). Current SoFi members are not eligible to enter. Employees of Social Finance, LLC (the “Sponsor” or “SoFi”), and its respective parent company, subsidiaries, affiliated or successor companies; subsidiaries, distributors, dealers, sales representatives, web masters/suppliers, advertising and promotional agencies, anyone associated with the development, implementation or execution of this Sweepstakes (collectively referred to hereafter as the “Sweepstakes Entities”), and members of the immediate families (defined as: spouse, biological, adoptive and step-parents, grandparents, siblings, children and grandchildren, and each of their respective spouses, regardless of where they reside) or households (whether related or not) of any of the above are not eligible to enter or win. Void in Florida and where prohibited or restricted by law.
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POTENTIAL WINNER IS SUBJECT TO VERIFICATION BY THE SPONSOR AND ITS ADMINISTRATOR. AN ENTRANT IS NOT THE WINNER UNLESS AND UNTIL HE/SHE HAS BEEN VERIFIED AND NOTIFIED THAT THE VERIFICATION IS COMPLETE.
GRAND PRIZE DETAILS: Winner will receive $10,000 awarded to winner’s SoFi Savings or Checking Account. If winner does not have a SoFi Savings or Checking Account, he or she can open an account for free on the SoFi app or at SoFi.com for SoFi to deposit funds into winner’s account. No transfer of prize to a third party is permitted. All taxes are the sole responsibility of winner. An IRS form 1099 will be filed in the name of winner for the value of the prize. Except where prohibited by law, entry and acceptance of prize constitute permission for Sponsor and its agents to use winner’s name, prize won, hometown, likeness, video tape, photographs, and statements for purposes of advertising, promotion, and publicity (including online posting) in all media now or hereafter known throughout the world in perpetuity, without additional compensation, notification, or permission.
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By participating in this Sweepstakes, each Entrant expressively waives and relinquishes all rights and benefits afforded by California Civil Code 1542 and does so understanding and acknowledging the significance of this waiver. Section 1542 states as follows: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DID NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN, BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR THE RELEASED PARTIES.”
ARBITRATION: This Sweepstakes shall be governed by and interpreted under the laws of the State of California, U.S.A., without regard to its conflicts of laws provisions. Entrant hereby agrees that any and all disputes, claims, causes of action, or controversies (“Claims”) arising out of or in connection with this Sweepstakes or the prize shall be resolved, upon the election by Entrant or Sponsor, by arbitration pursuant to this provision and the code of procedures of either the National Arbitration Forum (“NAF”) or the American Arbitration Association (“AAA”), as selected by the Entrant. IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM. FURTHER, NEITHER SPONSOR NOR ENTRANT WILL HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC OR OTHER PERSONS SIMILARLY SITUATED, OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT ENTRANT WOULD HAVE IF ENTRANT WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. ANY CLAIMS, JUDGMENTS AND/OR AWARDS SHALL BE LIMITED TO ACTUAL OUT-OF-POCKET COSTS ASSOCIATED WITH ENTERING THIS SWEEPSTAKES. ENTRANT HEREBY WAIVES ANY RIGHTS OR CLAIMS TO ATTORNEY’S FEES, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ENTRANT, WHETHER FORESEEABLE OR NOT AND WHETHER BASED ON NEGLIGENCE OR OTHERWISE. The arbitrator’s authority to resolve Claims is limited to Claims between Sponsor and Entrant alone, and the arbitrator’s authority to make awards is limited to awards to Sponsor and Entrant alone. Furthermore, claims brought by either party against the other may not be joined or consolidated in arbitration with Claims brought by or against any third party, unless agreed to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not a named party to the arbitration. Notwithstanding any other provision in these Official Rules and without waiving either party’s right to appeal such decision, should any portion of this provision be deemed invalid or unenforceable, then the entire provision (other than this sentence) shall not apply.
In the event there is a discrepancy or inconsistency between disclosures or other statements contained in any Sweepstakes-related materials or made by any representative of Sponsor, and the terms and conditions of these Rules, these Rules shall prevail, govern, and control.
PRIVACY: By entering the Sweepstakes, the information Entrants provide may be sent to promotional partners. Entrants may be contacted by the Sponsor and any promotional partners with future promotional offers. Information provided by Entrants to participate in this Sweepstakes is subject to Sponsor’s privacy policy located at www.sofi.com/privacy-policy.
SPONSOR: Social Finance, LLC, 234 First Street, San Francisco, CA 94105.
ADMINISTRATOR: Ventura Associates International LLC, 494 Eighth Avenue, Suite 1700, New York, NY 10001.
SEVERABILITY: The invalidity or unenforceability of any provision of these Rules shall not affect the validity or enforceability of any other provision. In the event any provision is determined to be invalid or otherwise unenforceable or illegal, these Rules shall otherwise remain in effect and shall be construed in accordance with their terms as if the invalid or illegal provision were not contained herein.
WINNER’S LIST: For the Winner’s name (available after June 30, 2023), send a self-addressed, stamped envelope by June 30, 2023 to: The SoFi x Kara & Nate May 2023 Sweepstakes Winner’s List Request, c/o: Ventura Associates International LLC, 494 Eighth Avenue – Dept: DE, Suite 1700, New York, NY 10001.
This Sweepstakes is in no way promoted, endorsed, or administered by, or associated with any social media entity, including, but not limited to YouTube. Any questions, comments or complaints regarding the Sweepstakes must be directed to the Sponsor or Administrator, and not to any social media entity.
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Liz Looks at: Narrow Leadership
When a market rally is led by just a handful of heavyweights, it might be wise to sit tight, says Liz Young Thomas, SoFi’s head of investment strategy.
Read moreGoddard College Tuition and Fees
Goddard College Tuition and Fees
(Last Updated – 05/2023)
Total Cost of Attendance
Goddard College is a liberal arts college with campuses in Vermont and Washington that’s known for allowing students to design their studies around their interests with a high degree of independent learning.
Goddard tuition at the Vermont campus, which is $18,212 a year, is less than half the national average for four-year private colleges of $39,400. Many Goddard students receive financial aid to help cover the cost of tuition.
Costs for 2022-2023
|
Campus Location |
Plainfield, Vermont |
Seattle, Washington |
|
Tuition & Fees |
$18,212 |
$18,950 |
|
Books & Supplies |
$1,200 |
$1,200 |
|
Room & Board |
$1,856 |
$2,668 |
|
Other Expenses |
$634 |
$634 |
|
Total Cost of Attendance |
$21,902 |
$21,902 |
Financial Aid
Around 67 percent of undergraduate students at Goddard College receive financial aid, including grants, scholarships, or loads. More than one third of Goddard undergrads receive Federal Pell Grants or Student Educational Opportunity Grants to help cover Goddard school tuition.
Explore financial aid options: Vermont Student Loan & Scholarships.
Generally, financial aid is monetary assistance awarded to students based on personal need and merit. Students that 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, and financial need.
• Grants: Generally based on financial need, these can come from federal, state, private, and non-profit 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 and 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
Approximately 67% of undergraduates at Goddard College get federal student loans. The average loan amount is $7,237. Some students may choose to take out private student loans to cover the cost of Goddard tuition.
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 throughout 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
For a four-year degree, including books, Goddard school tuition, and all other expenses would be between $87,608 and $93,808, based on the 2022-2023 academic year and depending on which campus students attend. Meanwhile, the average total cost of private colleges was $57,570 annually for 2022-23, or $230,280 for four years, according to CollegeData.com.
Here’s some Student Loan & Scholarship Information for you.
Undergraduate Tuition and Fees
Costs for 2022-23
|
Campus |
Plainfield, VT |
Seattle, WA |
|
Tuition & Fees |
$18,212 |
$18,950 |
|
Room & Board |
$1,856 |
$1,930 |
|
Total Cost of Attendance |
$20,068 |
$20,880 |
The cost of Goddard school tuition and fees for undergraduates differs based on where students complete their studies. Students spent between $18,212 and $18,950 for Goddard school tuition and fees in the 2022-2023 school year.
Additionally, costs for room and board totaled $1,856 at the Plainfield, Vermont campus and $1,930 at the Seattle, Washington campus, bringing the total cost of attendance to $20,068 and $20,880, respectively.
This is notably less than the average cost for private schools in the U.S. of $53,430.
Graduate Tuition and Fees
Costs for 2022-23
|
Campus |
Plainfield, VT |
Seattle, WA |
|
Tuition |
$22,246 |
$22,246 |
|
Fees |
– |
$738 |
|
Total Cost of Attendance |
$22,246 |
$22,948 |
Goddard graduate students spent $22,246 on tuition in the 2022-2023 academic year. Additional fees of $738 apply for students completing their studies in Washington, bringing the total cost of attendance to $22,948. Students completing their studies virtually pay $530 in fees for the academic year.
This is slightly higher than the average graduate tuition and fees at private schools of $19,616. Students can look into graduate loans that can help with these costs.
Cost per Credit Hour
Goddard students who are enrolled full-time pay the full Goddard school tuition, while part-time students pay per credit hour. The cost per credit hour is $738. For example, a student taking six credit hours in a semester would pay $4,428. Meanwhile, a nine-credit course load would equal $6,642 in Goddard tuition.
Campus Housing Expenses
Costs for 2022-23
|
Student Type |
In-State |
Out-State |
|
Books & Supplies |
$1,200 |
$1,200 |
|
Room & Board |
$1,856 |
$2,668 |
|
Other Expenses |
$634 |
$634 |
Besides Goddard tuition, room and board is another expense to consider.
On the Plainfield, Vermont campus, dorms serve as hubs for community learning and interaction. The Seattle, Washington campus does not provide student housing on campus.
Students may choose to stay off campus after their first semester. Goddard College’s low-residency model means that students, many of whom work while attending college, primarily live off campus for the duration of their studies.
Goddard College Acceptance Rate
Fall 2021
|
Number of Applications |
Number Accepted |
Percentage Accepted |
|
31 |
26 |
84% |
Admission Requirements
There are certain requirements students must meet to be admitted to Goddard College. Students need to submit a personalized essay and transcripts from their high school and any college previously attended. Other application steps, such as interviews and Praxi, may be required, depending on the program at Goddard College a student is applying to. Letters of recommendation and scores for standardized tests like the SAT and ACT are not mandatory.
Required:
• Secondary school transcripts
• Personalized essay
• Interview (Individualized Studies, Bachelor of Fine Arts, Health arts and Sciences or Sustainability)
• Praxis Core test results (BA in Education with Teacher Licensure)
Recommended:
• Letters of Recommendation
• AP, IB, GED College Ready + Credit, and CLEP scores
Goddard College accepts students on a rolling basis. Though prospective students will receive a response within two weeks, applicants are encouraged to apply well in advance of the start of the semester, if possible. For the 2023-2024 academic year, the fall semester starts on September 15th for undergraduate students.
SAT and ACT Scores
Goddard College does not consider applicants’ SAT and ACT scores as part of the admissions process. However, prospective students may choose to submit their scores with their applications.
Popular Majors at Goddard College
As a small liberal arts college, Goddard College offers seven majors for undergraduate students. Here’s a list of the degree programs offered.
1. Creative Writing
The Bachelor of Fine Arts in Creative Writing program includes coursework in poetry, fiction, playwriting, and other genres. The program is focused on student-centered learning and includes a creative thesis as part of its course requirements.
2. Education
The Bachelors of Arts in Education program provides aspiring educators a strong foundation in teaching and curriculum development. Students produce a culminating project their senior year in an area of education based on their interests.
3. Health Arts and Sciences
This interdisciplinary degree program aims to develop students’ knowledge in the growing field of integrative health and wellness. Those taking this program will participate in a mix of experiential learning, rigorous coursework, and creative projects that’s catered to their interests, goals, and learning styles.
4. Individualized Studies
Goddard College’s Individualized Bachelor of Arts is geared towards creative students interested in the liberal arts. They’ll work collaboratively with faculty to identify focus areas for their studies and design a holistic, multidisciplinary approach to their learning.
5. Psychology
Students majoring in psychology complete coursework, a capstone project, senior study, and hands-on learning through a practicum. This program has a fast track option that allows those pursuing their degree to take graduate-level courses during their final semester to graduate and complete the Master of Arts in Psychology program in just three semesters.
6. Socially Engaged Art
Through Goddard’s Bachelor of Fine Arts in Socially Engaged Art, students apply studies in performing arts, visual arts, craft practices, and narrative media to develop collaborative projects around real issues. They are encouraged to experiment with different mediums during their studies.
7. Sustainability
Majoring in sustainability at Goddard is ideal for students interested in the intersection of people and the planet. They can take multi-disciplinary coursework in a variety of environmental subjects, such as permaculture and climate justice.
Graduation Rate
Goddard College has a graduation rate of 58% for undergraduate students.
Post-Graduation Median Earnings
How much you can expect to earn after graduation is an important consideration. The median earnings for Goddard graduates is $40,421 according to the U.S.Department of Education’s College Scorecard. This is lower than the average for four-year schools, which is $47,922.
Bottom Line
With a total cost of attendance of up to $23,452, Goddard school’s tuition and fees are less than the national average. However, students will encounter differing living costs depending on which campus they choose. Goddard College could be a good fit for students who want to personalize their studies to their interests and learning style. Approximately two-thirds of Goddard College students receive financial aid, making the cost of their education more accessible and affordable.
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.
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.
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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Why apply for a SoFi Personal Loan?
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Low rates
Low fixed rates that won’t change over time, protecting you from rising rates.
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No fees required
That means no origination fees required, no prepayment fees and no late fees whatsoever.
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Same-day funding*
Your funds could be available as quickly as the same day your loan is approved.
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Unemployment protection4
We’ll help modify your payments and assist you in finding a new job.
Expand to see how the features of a SoFi Personal Loan makes it stand out from the rest.
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A personal loan is a borrowed sum of money that is paid back with interest in installments. With a SoFi Personal Loan, you can borrow between $5,000 and $100,000 for various expenditures that include home improvements, credit card consolidation, IVF, even unplanned life events that call for emergency funds, and more. You can also check your rate in 60 seconds without affecting your credit score†, and get your loan funded as soon as the same day you’re approved.*
Learn more
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Save thousands with a low, fixed-rate personal loan.
With credit card rates on the rise, see how you could save thousands on interest by consolidating debt into a low fixed monthly payment.
See your savings
Example chart shows calculations based on a 5 year SoFi Personal Loan with a fixed rate of 14.84% APR, which is the rounded average median funded APR for SoFi Personal Loan borrowers who took out a loan with a 5 year term” from April 1 2022- April 1 2023. Lowest rates are reserved for the most qualified borrowers. The ‘High-Interest Rate Credit-Card’ APR shown is the average credit card APR reported by Wallethub for Q1 2023 under their Good Credit category. The savings estimate also assumes that the borrower doesn’t take out any additional credit card debt during the same period. Both calculations assume 60 total monthly payments and no pre-payment amounts.
Personal Loan Calculator
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Easily apply for a personal loan online in 3 steps.
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Prequalify
Find the rate that you qualify for in 60 seconds with no commitment.
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Choose your terms
Choose from 2-7 year terms and finish your application online.
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Receive your funds
Sign your documents and funds will be wired to your account—as quickly as the same day.*
View your rate
We’ve helped members like these pay off over $26B in debt with a SoFi Personal Loan.
“I’m on track to be debt-free by the end of the year.”
I turned to SoFi. I took out a loan, I paid off all those cards and now I’ve got one low monthly payment that feels very manageable. I can see that balance going down every single month and I’m actually on track to being debt-free by the end of the year. I’m really excited about that.
Calvin Landrum
SoFi member
“Thanks to SoFi, I am debt free and have stayed that way!.”
I decided to finally tackle my finances—I canceled all but one credit card and got a personal loan with SoFi. After a little over a year, I was able to pay off almost $10,000! I was trying to complete this for years and could never get traction. Thanks to SoFi, I am debt free and have stayed that way!
Megan Daveline
SoFi member
“I saved over $6,000 in interest.”
A SoFi [Personal] Loan helped me consolidate debt from four credit cards and paid off the outstanding balance in a fraction of the time. I saved over $6,000 in interest across all cards.
Matthew Calnan
SoFi member
“All of a sudden I had control of my finances and things were looking up.”
When I had a high debt-to-income ratio, I was struggling. I did some research and opted for a [SoFi] Personal Loan—getting that loan was a game-changer. All of a sudden I had control of my finances and things were looking up. I was so impressed by everything SoFi offered, I took advantage of their career advice, investments, and checking.
Vicent Brown Jr.
SoFi member
The savings and experiences of members herein may not be representative of the experiences of all members. Savings are not guaranteed and will vary based on your unique situation and other factors.
We’ve helped members like these pay off over $26B in debt with a SoFi Personal Loan.
The savings and experiences of members herein may not be representative of the experiences of all members. Savings are not guaranteed and will vary, based on your unique situation and other factors.
“I’m on track to be debt-free by the end of the year.”
I turned to SoFi. I took out a loan, I paid off all those cards and now I’ve got one low monthly payment that feels very manageable. I can see that balance going down every single month and I’m actually on track to being debt-free by the end of the year. I’m really excited about that.
Calvin Landrum
SoFi Member
“Thanks to SoFi, I am debt free and have stayed that way!”
I decided to finally tackle my finances—I canceled all but one credit card and got a personal loan with SoFi. After a little over a year, I was able to pay off almost $10,000! I was trying to complete this for years and could never get traction. Thanks to SoFi, I am debt free and have stayed that way!
Megan Daveline
SoFi Member
“I saved over $6,000 in interest.”
A SoFi [Personal] Loan helped me consolidate debt from four credit cards and paid off the outstanding balance in a fraction of the time. I saved over $6,000 in interest across all cards.
Matthew Calnan
SoFi Member
“All of a sudden I had control of my finances and things were looking up.”
When I had a high debt-to-income ratio, I was struggling. I did some research and opted for a [SoFi] Personal Loan—getting that loan was a game-changer. All of a sudden I had control of my finances and things were looking up. I was so impressed by everything SoFi offered, I took advantage of their career advice, investments, and checking.
Vincent Brown Jr.
SoFi Member
Resources on personal loans.
We have over 500 articles, budgeting tools, and guides—all with the goal of helping you Get Your Money Right®.
Visit SoFi Learn
Personal Loan FAQs
What can I use a personal loan for?
Many people apply for a low-interest personal loan to consolidate high-interest credit card debt. These loans can also be used to fund major life purchases or expenses, like home improvements, weddings, unexpected medical expenses, moving expenses, or funerals.
Learn more: What Are The Common Uses For Personal Loans?
What is a personal loan?
A personal loan is a loan offered by many banks, credit unions, or online lenders and typically range from $5K-$100K. While many loans specify how the money should be spent, personal loans allow for more flexibility and can be used to cover big expenses or consolidate high-interest debt with a more favorable rate.
Learn more: What is a Personal Loan?
Should I take out a personal loan to pay off my credit cards?
Personal loans can be used for a variety of purposes, but are commonly used to consolidate high-interest credit card debt. When using a personal loan to pay off credit card debt, the loan funds are used to pay off the cards’ outstanding balances. Ideally, the new loan will have a lower interest rate, making payments more manageable or saving the person money from accrued interest. Click here to learn more about the pros and cons of using low interest personal loans to consolidate debt.
Learn more: Using a Personal Loan to Pay Off Credit Card Debt
How can I calculate my expected monthly payments for a personal loan?
The monthly payment for a personal loan is determined by a variety of factors, including your interest rate, loan amount, term of the loan, and more. Our Personal Loan Calculator can help you figure out your monthly payments and decide whether applying for a personal loan is the right move for you.
Do personal loans require down payments?
No, an unsecured personal loan does not require a down payment, unlike a secured home loan.
What credit score is needed for a personal loan?
Applying for personal loans online or at your financial institution will require meeting your lender’s criteria. Since most personal loans are unsecured (meaning they don’t require collateral) this criteria assures the lender that you can repay the loan. Lenders will typically evaluate your credit score, income, and debt-to-income ratio, among other factors. Lower credit scores could affect your eligibility, terms or rate for a SoFi Personal Loan.
Learn more: Typical Personal Loan Requirements Needed for Approval
Are SoFi Personal Loans fixed interest rate or variable interest rate loans?
SoFi Personal Loans are fixed rate loans. If you like the consistency of knowing exactly what your monthly payments will be over time, you might prefer a fixed rate loan. Also, if you plan to pay your loan back over a longer period of time, say 10 or 20 years, you might prefer to eliminate the risk of interest rate changes over time by selecting a fixed rate loan.
Is the SoFi Personal Loan secured or unsecured?
The SoFi Personal Loan is an unsecured loan. This means that you do not need to provide collateral for the loan.
How much money can I get a personal loan for?
The answer depends on a wide range of factors, which mainly includes the type of lender and your
credit score. A SoFi Personal Loan allows applicants to borrow between $5,000 and $100,000.
Will applying for a personal loan affect my credit?
To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull.
How much money can I get a personal loan for?
Personal loans typically range between $1,000 to $40,000. With a SoFi Personal Loan you can borrow as little as $5,000 or as much as $100,000.
See all FAQs
Apply for your personal loan in 60 seconds.
Your time matters—so we made it fast to get started.
View your rate
BTW it’s a soft inquiry, so it won’t affect your credit score.†
† To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2022 was around $30K. Information current as of 03/03/23. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.
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 12/15/25 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.
5 Autopay: 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. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.
7 Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. or eligible cash management account offered by SoFi Securities, LLC (“Direct Deposit Account”), you must have an open Direct Deposit Account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled payroll direct deposits of at least $1,000/month to a Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion. This discount will be lost during periods in which SoFi determines you have turned off direct deposits to your Direct Deposit Account. You are not required to enroll in direct deposits to receive a Loan.
‡ Same-Day Personal Loan Funding: 82% of typical SoFi Personal Loan applications, excluding Direct Pay Personal Loans and Personal Loan refinance, from January 1, 2022 to December 31, 2022 that were signed before 7pm ET on a business day were funded the same day.
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