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

Graduate Student Loans

Graduate loans for your next step.

SoFi makes it fast and easy to pay for grad school so you can focus on what matters the most: your degree.

Checking your rate will not
affect your credit score✝.

Here to help you pay for graduate school.

SoFi’s helped 300,000+ grads refinance their student debt. Now we’re helping you pay for grad school with low-rate private school loans.

All online, all easy

Finish our simple online application in minutes. Plus, get access to live customer support 7 days a week.

No fee, no fuss

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

Competitive rates

With variable rates as low as 1.25% APR with autopay*, you can save more versus other private lenders.

Exclusive member benefits

SoFi members can qualify for exclusive rate discounts. You’ll get access to career services, financial advisors, networking events, and more—all at no extra cost.

Low-rate loans for advanced degrees.

We’ve refinanced over $5.9 billion in MBA and JD loans—and we know that hard work pays off. Now you can pay for law or business school with premium, low-rate graduate student loans starting at 1.25% APR (variable rate with autopay).* Even better—you’ll get access to exclusive member benefits like career services, networking events, and more.

Graduate loan rates.

Fixed

4.51% – 11.76% APR*

with autopay

Variable

1.35% – 10.55% APR*

with autopay

MBA & Law loan rates.

Fixed

4.41% – 11.67% APR*

with autopay

Variable

1.25% – 10.46% APR*

with autopay

Not sure which to choose?
Learn more.→

Repay your way.

Pick the repayment option that works for you and your budget.

Deferred

Start paying principal and interest payments six months after you leave school.

  • No payments while in school
  • Highest overall cost option
    •

    Interest only

    Pay only interest payments while you’re in school.

  • Moderate payment while in school
  • Reduces overall cost
    •

    Partial

    Pay a $25 fixed monthly payment while you’re in school.

  • Lowest payment option while in school
  • Reduces some of the overall cost
    •

    Immediate

    Start paying principal and interest payments right away.

  • Highest payment option while in school
  • Lowest overall cost option
    •

    How it works:

    1

    Apply online in just minutes.

    Get your rate fast and find out if you’re pre-qualified before you even finish the full application. Seamlessly add a cosigner in just a few clicks.

    2

    Select your rate and repayment option.

    Choose from fixed or variable rates. Then, pick from four repayment options.

    3

    Sign and accept your loan.

    Upload screenshots of your info, sign your paperwork electronically, and voilà—your work is done! We’ll handle it from here.

    FAQs

    Get started in minutes.

    Find your loan rate in just a few clicks.

    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 permanent resident in an eligible state and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. 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, a responsible financial history, years of experience, income and 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 such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (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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