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.

Get started

Checking your rate will not affect your credit score✝︎.

Here to help you pay for graduate school.

SoFi’s helped 375,000+ grads refinance their student debt. Now we’re helping you pay for grad school with competitive-rate private student loans.

All online. All easy.

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

No fees. 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 1.77% 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.

Graduate loan rates.


4.13% – 11.37% APR*

with autopay


1.77% – 11.73% APR*

with autopay

Not sure which to choose?
Learn more.→

SoFi student loans vs. other lenders.

Comparisons based on information obtained on lenders’ websites as of July, 2020

Repay your way.

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


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:


    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.


    Select your rate and repayment option.

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


    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.


    Get started in minutes.

    Find your loan rate in just a few clicks.

    TLS 1.2 Encrypted
    Equal Housing Lender