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.View payment examples: https://www.sofi.com/undergraduate-student-loans-rates/, https://www.sofi.com/graduate-student-loans-rates/. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is current as of 4/23/25 and is subject to change.
SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891. (www.nmlsconsumeraccess.org). Terms and conditions apply.
✝ 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.
^ Partial Payments-Negative Amortization: Certain repayment options, including Deferred (where you make no payments while in school) and Partial repayment ($25 per month while in school), may not pay all of the interest due each month during the deferment period, which may lead to negative amortization and an increased principal balance. 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.
** SoFi Member Rewards: All terms and conditions applicable to the use of SoFi Member Rewards apply. To learn more about SoFi Member Rewards, please see the Rewards page. No points will be earned with respect to reversed transactions, returned purchases, or other similar transactions. When you elect to redeem rewards points toward active SoFi accounts, including but not limited to, your SoFi Checking or Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or toward SoFi Travel purchases, your rewards points will redeem at a rate of 1 cent per every point. Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA /SIPC. SoFi Securities LLC is an affiliate of SoFi Bank, N.A.
‡ 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.
^*PRIVATE STUDENT LOAN PAYMENT DISCLOSURE:
5-YEAR Payment Example: The fully amortizing payment for a 60 month term, loan amount of $50,000 with an Annual Percentage Rate of 8.040%, would be $1014.78 per month (includes both principal and interest). The total amount of interest paid over that 5yr period would be $10,886.63. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
7-YEAR Payment Example: The fully amortizing payment for a 84 month term, loan amount of $50,000 with an Annual Percentage Rate of 10.030%, would be $830.83 per month (includes both principal and interest). The total amount of interest paid over that 7yr period would be $19,790.09. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
10-YEAR Payment Example: The fully amortizing payment for a 120 month term, loan amount of $50,000 with an Annual Percentage Rate of 9.670%, would be $651.65 per month (includes both principal and interest). The total amount of interest paid over that 10yr period would be $28,198.08. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
15-YEAR Payment Example: The fully amortizing payment for a 180 month term, loan amount of $50,000 with an Annual Percentage Rate of 9.790%, would be $530.90 per month (includes both principal and interest). The total amount of interest paid over that 15yr period would be $45,561.50. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
20-YEAR Payment Example: The fully amortizing payment for a 240 month term, loan amount of $50,000 with an Annual Percentage Rate of 9.09%, would be $452.76 per month (includes both principal and interest). The total amount of interest paid over that 20yr period would be $58,662.68. Interest rates and annual percentage rates (APRs) are for informational purposes only and are subject to change without notice.
All information in the payment examples listed above — including interest rates, payments, terms, and availability — is for informational purposes only and is subject to change without notice.
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