Undergraduate Student Loans

Simple student loans that work for you.

SoFi knows student loans. Now we’re making it fast and easy for you to pay for school as soon as you start your first semester.

Checking your rate will not
affect your credit score.

A better way to pay for school.

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

All online. All easy.

Finish our fast and easy online application all in minutes—and add a cosigner in just a few clicks.

No fees. No fuss.

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

100% covered.

Get peace of mind knowing SoFi will cover the full cost of attendance.

Save money.

Better rates and more savings versus other private lenders.

Choose from low fixed or variable rates.


5.05% – 11.71% APR*

with autopay


3.43% – 11.03% APR*

with autopay

Not sure which to choose?
Learn more.→

Need a cosigner?

Most undergrad students have limited credit history and income. Adding a cosigner with a solid financial history and good credit may help improve your chances of loan approval—and sometimes even a lower interest rate. You and your cosigner can see what rates and terms you pre-qualify for before submitting your full application—and it won’t impact your credit score.

Learn more about choosing a cosigner.

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.

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