Learn about the new SoFi member benefit that helps you compare and estimate the cost of college.

Private Student Loans

Can you love a student loan?

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

Get started

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.


student loan refinancing company


members have refinanced their student loans


of surveyed members would recommend SoFi to a friend ✝✝

Helpful member benefits

Get $400 off SAT®/ACT® prep courses. NBD.

Prep Expert is SoFi’s exclusive partner for college entrance test preparation courses, and our members get $400 off for the ambitious students in their lives.

Prep Expert receives compensation from SoFi on a per-course and per-funded loan basis. A covered educational institution’s name or logo on the Prep Expert’s platform is not an endorsement by the covered educational institution of SoFi’s student loan products. Offer available to SoFi members only. Prep Expert does not guarantee eligibility for a SoFi loan product. Terms and conditions apply and are subject to change.

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.


Find your rate in just a few clicks.

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