Welcome to SoFi!

Private Student Loans

Can you love a student loan?
Absolutely.

SoFi’s helping students pay for school
with our no-fee private student loans.

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

Here to help you pay for school.

Get competitive-rate in-school loans that work for you. SoFi makes the process simple—so paying for school is stress-free.

All online. All easy.

We’re making it easy to apply and add a cosigner to your application in minutes.

No fees. No fuss.

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

Repay your way.

SoFi has flexible repayment options to help you find the loan that fits your budget.

Exclusive rate discounts.

Get a 0.25% discount when you set up autopay.^* Plus, SoFi members can qualify for exclusive rate discounts.^**

Loans that work for you.

Undergraduate Loans

SoFi helps undergrads pay for college without the hassle. See rates and terms in just minutes—and get access to tips, tools, and resources along the way.

Graduate Loans

Go to grad school and focus on your degree—not your debt. SoFi helps graduate students get low-rate loans and pay them back on their own terms.

Law & MBA Loans

Now future lawyers and tomorrow’s leaders of industry can pay for law or business school with premium, low-rate loans offered by SoFi.

Parent Loans

Parents rejoice: now you can pay your child’s tuition with a flexible, low-rate parent loan. SoFi’s application is quick and easy—and the repayment plans are flexible.

We know student loans.

#1

student loan refinancing company

550,000+

members have refinanced their student loans

98%

of surveyed members would recommend SoFi to a friend ^✝✝

Helpful member benefits

Your go-to guide for college financial planning.

SoFi members now have complimentary access to Edmit Plus—a tool that helps estimate financial aid, compare cost of attendance, or learn more about the merit aid and scholarships available.

Edmit receives compensation from SoFi on a per-funded loan basis. SoFi does not guarantee the accuracy of information provided by Edmit, its affiliates or subsidiaries. Enrollment in Offer available to SoFi members only. Edmit does not guarantee eligibility for a SoFi loan product. Terms and conditions apply, and are subject to change.

FAQs

Find your rate in just a few clicks.

Samsung Money by SoFi is a checking and savings account, which is a brokerage product, offered by SoFi Securities LLC. Member FINRA/SIPC. SoFi Securities is an affiliate of SoFi Bank, N.A.

This is not an offer, or solicitation of any offer to buy or sell any security, investment or other product. You can find additional information regarding SoFi Securities LLC and its registered persons at FINRA’s website. The firm reserves the right to monitor and retain all incoming and outgoing communications as permitted by applicable law.

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 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 listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, NMLS # 696891. (www.nmlsconsumeraccess.org)

✝︎ 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.

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