Parent Student Loans

Built to help you pay for your child’s education.

Parents, you have options. SoFi’s no fee, low-rate parent student loans can help you pay the way for your child’s education.

Checking your rate will not
affect your credit score.

Fast and easy parent student loans.

SoFi’s helped over 250,000 grads refinance their student debt. Now we’re helping parents like you pay for your child’s education—without any fees or fuss.

All online, all easy.

Finish our simple online application in minutes. And get peace of mind knowing SoFi will help cover the full cost of your child’s attendance.

No fees, no fuss

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

Competitive rates

With rates as low as 3.65% with autopay, you can save more versus other private lenders.

Exclusive member benefits

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

Choose from low fixed or variable rates.

Fixed

5.05% – 11.71% APR

with autopay*

Variable

3.65% – 11.25% APR

with autopay*

Not sure which to choose?
Learn more.→

Repay your way.

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

Interest only

Pay only interest payments while your student is in school.

  • Moderate payment while student is in school
  • Reduces overall cost
  • Immediate

    Start paying principal and interest payments right away.

  • Highest payment option while student is 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.

    2

    Select your rate and repayment option.

    Choose from fixed or variable rates. Then, pick from two 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.

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