Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and may be subject to other restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. SoFi student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS # 696891. (www.nmlsconsumeraccess.org).

✝ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

NO PURCHASE OR LOAN REFINANCING NECESSARY TO ENTER OR WIN. A PURCHASE OR LOAN REFINANCE WILL NOT INCREASE YOUR CHANCES OF WINNING.

ENTRY INTO THIS SWEEPSTAKES CONSTITUTES YOUR ACCEPTANCE OF THESE OFFICIAL RULES (“RULES”) AND THE DECISIONS OF SOFI, WHICH SHALL BE FINAL IN ALL RESPECTS. SWEEPSTAKES IS GOVERNED BY U.S. LAW AND IS SUBJECT TO ALL FEDERAL, STATE AND LOCAL LAWS, REGULATIONS, AND ORDINANCES.

ELIGIBILITY: To be eligible to enter the SoFi Forget Your Student Debt Sweepstakes (“Sweepstakes”), you must be a legal resident of the 50 United States (including the District of Columbia) 19 years of age or older in Alabama and Nebraska; 21 years of age or older in Mississippi; or 18 years of age or older in all other states including the District of Columbia who has an outstanding student loan with a financial institution or bank within the 50 United States at time of entry (collectively referred to as an “Entrant”). Employees of Social Finance, Inc. (the “Sponsor” or “SoFi”), Ventura Associates International LLC (“Ventura” or “Administrator”) and their respective parent companies, subsidiaries, affiliated or successor companies; subsidiaries, distributors, dealers, sales representatives, web masters/suppliers, advertising and promotional agencies, anyone associated with the development, implementation or execution of this Sweepstakes (collectively referred to hereafter as the “Sweepstakes Entities”), and members of the immediate families (defined as: spouse, biological, adoptive and step-parents, grandparents, siblings, children and grandchildren, and each of their respective spouses, regardless of where they reside) or households (whether related or not) of any of the above are not eligible to enter or win. Void where prohibited by law.

SWEEPSTAKES ENTRY PERIOD: Sweepstakes begins at 12:00:00 a.m. Eastern Time (“ET”) on October 17, 2022 and ends at 11:59:59 pm ET on December 31, 2022 (the “Sweepstakes Entry Period”). The Sweepstakes will consist of ten (10) individual entry periods. Refer to the chart below for each entry period’s start and end dates.

HOW TO QUALIFY FOR AN ENTRY:

Method 1: An Entrant will receive one (1) entry into the Entry Period random drawing for which he or she qualifies for and any subsequent Entry Period drawings, if any, when he or she refinances an existing student loan with SoFi during the Sweepstakes Entry Period. Entry will be based on when Entrant’s SoFi student loan refinance is approved by SoFi.

OR

Method 2: An Entrant will receive one (1) entry into the applicable Entry Period random drawing for which he or she qualifies for and any subsequent drawings, if any, based on dates indicated in the chart above. To enter without refinancing an eligible student loan, hand print name, address, email address, and the name of the financial institution holding your current student loan on a piece of paper and insert it into a #10 envelope. Seal and affix postage to the envelope and mail your Entry to: Forget Your Student Debt Sweepstakes, P.O. Box L, Palatine, IL 60078. Mail-in Entries must be postmarked and received by the dates indicated in the chart above. If an entry period or postmarked date ends on a Sunday or holiday, the entry can be postmarked the next business day.

ALL NON-WINNING ENTRY PERIOD ENTRIES WILL AUTOMATICALLY BE ENTERED IN SUBSEQUENT ENTRY PERIOD DRAWINGS (IF ANY).

LIMIT: REGARDLESS OF METHOD UTILIZED TO ENTER, THERE IS A LIMIT OF ONE (1) ENTRY PER ENTRANT.

Any attempt by an Entrant to obtain more entries by using multiple/different accounts, identities, registrations and logins, or any other methods will void that Entrant’s entries and that Entrant will be disqualified. Use of scripts, macros, or any other automated system to participate or subvert the process is prohibited and will result in disqualification. In the event of an identity dispute, entry will be considered made by the registered owner of the email account used for entry. Entrants must have a valid email address. A potential winner may be required to show proof of being the authorized email account holder. Mechanically reproduced Entries will be disqualified along with all Entries associated with the disqualified Entry or Entries. Sponsor is not responsible for lost, late, garbled, damaged, illegible, incomplete, inaccurate, misdirected, mutilated, or postage due Entries. All Entries submitted become property of the Sponsor and will not be acknowledged.

WINNER SELECTION & ODDS: Each Entry Period’s potential winner will be randomly selected from all eligible entries received for a given Entry Period drawing within ten (10) days after the end of each Entry Period. All random drawings will be conducted by the Administrator, whose decisions are final and binding. Odds of winning an Entry Period prize are determined by the number of eligible entries received for a given Entry Period.

WINNER NOTIFICATION & VERIFICATION: All potential winners will be notified by email within three (3) business days from random drawing date and will be required to complete and return: a) an Affidavit of Eligibility/Liability/Publicity Release, b) an IRS W9 Form c): provide proof of student loan balance in the form of a student loan account summary (collectively referred to as “Prize Documents”) to Administrator within three (3) days from date on notification. At the sole discretion of the Sponsor, disqualification, forfeiture and the selection of an alternate winner may result from any of the following: [1] a potential winner’s failure to respond to email notification within three (3) days after emailing/transmission; [2] the return of an email notification or message as undeliverable; [3] the receipt of any other notice from Sponsor or an undeliverable prize; [4] a potential winner’s failure to provide Sponsor with satisfactory proof of age, identity and residency; [5] a potential winner’s failure to submit the required Prize Documents within three (3) days after its deployment; [6] a potential winner’s failure to claim prize within three (3) days after he or she is confirmed as a winner; and [7] any other non-compliance with Rules. In the event of prize forfeiture, the Sponsor may, in its sole discretion, award or not award the forfeited prize to an alternate winner. Sponsor shall have no liability if notification is lost, intercepted, or not received for any reason. Sponsor is not responsible for any change in winner’s email account or other contact information after entering the Sweepstakes.

EACH POTENTIAL WINNER IS SUBJECT TO VERIFICATION BY SPONSOR AND ITS ADMINISTRATOR. AN ENTRANT IS NOT THE WINNER UNTIL HE/SHE HAS BEEN VERIFIED AND NOTIFIED THAT THE VERIFICATION IS COMPLETE.

PRIZE DETAILS: A total of ten (10) prizes will be awarded, one (1) prize per Entry Period. Each Entry Period’s confirmed winner will have his or her student loan balance paid, up-to-$100,000.00 subject to verification. Balance payment for each winner will vary and will be based on pay due date closest to the date noted on the winning confirmation notice sent by the Sponsor or Ventura. Prizes will be paid directly to the financial institution that holds the winner’s student loan. Each winner is responsible for making payments on their student loan up to the date the prize funds are received from SoFi. Upon receipt of prize funds, SoFi shall have no further obligation to winner and will not be responsible for past due payments or penalties for winner’s failure to keep their student loan payment current or making their payments on time or for any balance that exceeds the amount won; all of which will be the responsibility of the winner. Each winner will be responsible for all federal, state, local, and income taxes associated with winning their prize. An IRS W-9 Form will be issued to each winner for the prize amount won.

Except where prohibited by law, entry and acceptance of prize constitute permission for Sponsor and its agents to use each winner’s name, prize won, hometown, likeness, and statements/testimonials for purposes of advertising, promotion, and publicity (including online posting) in any and all media now or hereafter known throughout the world in perpetuity, without additional compensation, notification, or permission.

CONSENT AND RELEASE: To the fullest extent possible in law, Entrants and any coordinating entity, and on behalf of their respective heirs, executors, administrators, legal representatives, successors and assigns (“Releasing Parties”), release, defend and hold harmless the Sweepstakes Entities and their associated companies and directors, subsidiary, affiliated or successor companies and their respective owners, members, shareholders, officers, directors, partners, equity holders, agents, representatives, employees and all others associated with the development and execution of this Sweepstakes (collectively, “Releasees”) from and against any and all claims, actions, causes of action, suits, liabilities, debts, dues, sums of money, accounts, reckonings, bonds, bills, specialties, covenants, contracts, controversies, agreements, promises, variances, trespasses, lost profits, indirect or direct damages, consequential damages, incidental damages, punitive or exemplary damages, judgments, extent, executions, claims and demands whatsoever, in law, admiralty or equity, whether known or unknown, foreseen or unforeseen, against Releasees which any one or more of the Releasing Parties ever had, now have or hereafter can, shall or may have which in any way arise out of or result from Entrant’s participation and acceptance (if determined a winner).

By entering this Sweepstakes, you as an Entrant, agree, represent and warrant that: [1] you will be bound by the Rules and SoFi’s and its Administrator’s decisions, which shall be final in all respects; [2] in the event viruses, bugs, unauthorized human intervention, or regulations of any governmental or supra-national authority, war, national emergency, accident, fire, riot, strikes, lock-outs, industrial disputes, acts of terrorism or other matters beyond the Sponsor’s reasonable control, corrupt, prevent or impair the administration, security, fairness or proper play of the Sweepstakes, that it cannot be conducted as originally planned, except where prohibited by law, Sponsor has the right, in its sole discretion, to modify the Rules or to cancel, terminate or suspend the Sweepstakes; and in such event, to select applicable winner(s) by such method as Sponsor in its sole discretion shall consider equitable; [3] the Releasees are not responsible for typographical or other errors in the offer or administration of the Sweepstakes, including but not limited to: errors in the advertising, Rules, selection and announcement of winners; [4] the Releasees are not responsible for any inability of winner to accept prize (or any portion thereof) for any reason; [5) the Sponsor has the right, in its sole discretion, to disqualify any individual it suspects of any of the following: (a) tampering or attempting to tamper with the entry process or the operation of the Sweepstakes; (b) violating the Rules and/or the Sponsor’s Privacy Policy; (c) violating any other terms, conditions of use and/or general rules or guidelines of any Sweepstakes property or; and (6) any attempt by any individual to deliberately undermine the legitimate operation of the Sweepstakes is a violation of these Rules as well as criminal and civil laws; and should Sponsor believe or become aware that such an attempt has been, is being, or will be made, it has the right to seek remedies and damages from any responsible individuals to the fullest extent permitted by law, including without limitation criminal prosecution.

By participating in this Sweepstakes, each Entrant expressively waives and relinquishes all rights and benefits afforded by California Civil Code 1542 and does so understanding and acknowledging the significance of this waiver. Section 1542 states as follows: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DID NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN, BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR THE RELEASED PARTIES.”

ARBITRATION: This Sweepstakes shall be governed by and interpreted under the laws of the State of California, U.S.A., without regard to its conflicts of laws provisions. Each Entrant hereby agrees that any and all disputes, claims, causes of action, or controversies (“Claims”) arising out of or in connection with this Sweepstakes or prizes shall be resolved, upon the election by Entrant or Sponsor, by arbitration pursuant to this provision and the code of procedures of either the National Arbitration Forum (“NAF”) or the American Arbitration Association (“AAA”), as selected by Entrant. IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM. FURTHER, NEITHER SPONSOR NOR ANY ENTRANT WILL HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC OR OTHER PERSONS SIMILARLY SITUATED, OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT AN ENTRANT WOULD HAVE IF ENTRANT WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. ANY CLAIMS, JUDGMENTS AND/OR AWARDS SHALL BE LIMITED TO ACTUAL OUT-OF-POCKET COSTS ASSOCIATED WITH ENTERING THIS SWEEPSTAKES. EACH ENTRANT HEREBY WAIVES ANY RIGHTS OR CLAIMS TO ATTORNEY’S FEES, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ENTRANT, WHETHER FORESEEABLE OR NOT AND WHETHER BASED ON NEGLIGENCE OR OTHERWISE. The arbitrator’s authority to resolve Claims is limited to Claims between Sponsor and any Entrant alone, and the arbitrator’s authority to make awards is limited to awards to Sponsor and Entrant alone. Furthermore, claims brought by either party against the other may not be joined or consolidated in arbitration with Claims brought by or against any third party, unless agreed to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not a named party to the arbitration. Notwithstanding any other provision in these Rules and without waiving either party’s right to appeal such decision, should any portion of this provision be deemed invalid or unenforceable, then the entire provision (other than this sentence) shall not apply.

In the event there is a discrepancy or inconsistency between disclosures or other statements contained in any Sweepstakes-related materials or made by any representative of Sponsor, and the terms and conditions of these Rules, these Rules shall prevail, govern, and control.

PRIVACY: By entering the Sweepstakes, the information Entrants provide may be sent to promotional partners. Entrants may be contacted by the Sponsor and any promotional partners with future promotional offers. Information provided by Entrants to participate in this Sweepstakes is subject to Sponsor’s privacy policy located at www.sofi.com/privacy-policy.

SPONSOR: Social Finance Inc., 234 First Street, San Francisco, CA 94105.

ADMINISTRATOR: Ventura Associates International LLC, 494 Eighth Avenue, Suite 1700, New York, NY 10001.

SEVERABILITY: The invalidity or unenforceability of any provision of these Rules shall not affect the validity or enforceability of any other provision. In the event any provision is determined to be invalid or otherwise unenforceable or illegal, these Rules shall otherwise remain in effect and shall be construed in accordance with their terms as if the invalid or illegal provision were not contained herein.

WINNERS LIST: For a Winners List (available after January 31, 2023), send a self-addressed, stamped envelope by January 31, 2023 to: SoFi Forget Your Student Debt Sweepstakes Winners List Request, c/o: Ventura Associates International LLC, 494 Eighth Avenue. Dept: DE, Suite 1700, New York, NY 10001.

This Sweepstakes is in no way promoted, endorsed, or administered by, or associated with any social media entity, including, but not limited to Twitter and Instagram. Any questions, comments or complaints regarding the Sweepstakes must be directed to the Sponsor or Administrator, and not to any social media entity.