Checking your rate will not
affect your credit score✝.
A better way to pay
SoFi’s helped 300,000+ grads refinance their student debt.
Now we’re helping undergraduates pay for school with low-rate
private school loans.
Finish our fast and easy online application all in minutes—and add a cosigner in just a few clicks.
No fees means no fees. That means no origination fees, no late fees, and no insufficient funds fees. Period.
Get peace of mind knowing SoFi will cover the full cost of attendance.
Better rates and more savings versus other private lenders.
Choose from low fixed or variable rates.
4.73% – 11.46% APR*
3.19% – 11.56% APR*
Not sure which to choose?
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
Pay only interest payments while you’re in school.
Moderate payment while in school
Reduces overall cost
Pay a $25 fixed monthly payment while you’re in school.
Lowest payment option while in school
Reduces some of the overall cost
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.