Undergraduate Student Loans SEM
Undergraduate Student Loans
College expenses are here—get funding while there’s still time.
Do you have school-certified costs due soon? SoFi’s got your back with a flexible private student loan that fits your needs. It only takes 3 minutes to apply.
View your rate
Disclosure: Fixed rates range from 3.43% APR to 15.99% APR with 0.25% autopay discount and, for refinance loans and parent loans only, a 0.125% SoFi Plus discount. Variable rates range from 4.64% APR to 15.99% APR with same discounts. Action must be taken to obtain discounts. Rate ranges are current as of 2/10/26 and are subject to change at any time. Rates depend on a variety of factors. Lowest rates reserved for the most creditworthy borrowers. Autopay is not required to obtain a loan. See here for more details.
A better way to pay for school.
We are making it fast and easy for you to pay for school with our undergraduate student loans. Easily add a cosigner. And finish online applications in minutes. We’ll fill in the info on your next application to make it even quicker.
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100% covered.
SoFi will cover all school-certified costs. That’s right—we’re got you covered.
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No Fees Required
That means no origination fees, no late fees, and no insufficient funds fees. Period.
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Cosign with confidence.
Once students prove themselves with 12 straight on-time payments, they can apply to release cosigners from their loan.*‡
Choose from low fixed or variable rates.
Not sure which to choose?
Learn more →
Two signers are better than one.
When it comes to applying for a private student loan, teamwork really can make the dream work. Applicants with a cosigner are 4x more likely to get approved, plus they can get a better rate, and release their cosigner after 24 consecutive on-time payments.1 Get a cosigner in your corner and see just how much putting your heads together can give you a boost.
View your rate
Approval rate based on SoFi Undergraduate student loan applications between Jan 2024 – Sept 2024
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
View repayment examples
Get started in minutes.
Find your loan rate in just a few clicks.
View your rate
Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student’s at least half-time enrollment in a degree program at a SoFi-participating school and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. View payment examples. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 2/10/26 and is subject to change.
* Interest Rates: Eligibility and Important Details. Fixed rates range from 3.43% APR to 15.99% APR with all discounts. Variable rates range from 4.64% APR to 15.99% APR with all discounts. Unless required to be lower to comply with applicable law, Variable Interest rates are capped at 17.95%. SoFi rate ranges are current as of 6/1/23 and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term and type of repayment option you select, evaluation of your creditworthiness, income, presence of a co-signer (if applicable) and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. Check out our eligibility criteria at https://www.sofi.com/eligibility-criteria/. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.
