SoFi Student Loans

SoFi Student Loans

Repay your way
SoFi has flexible repayment options to help you find the loan that fits your budget.
SoFi Student Loans

All online. All easy.
We’re making it easy to apply and add a cosigner to your application in minutes.
SoFi Student Loans

Ne fees. No Fuss
No fees means no fees. That means no origination fees, no late fees, and no insufficient fund fees.

Getting to know SoFi Student Loans

Can you love a student loan? Absolutely. SoFi’s helping students pay for school with our no-fee private student loans. With SoFi student loans you can get competitive-rate in-school loans that work for you. SoFi makes the process simple—so paying for school is stress-free. With flexible repayment options, no late fees, exclusive member-only discounts, and a fully online application process, you can see why SoFi is one of the clear leaders in the private student loan space. They offer loans for:

  • Undergraduate Loans
  • Graduate Loans
  • Law & MBA Loans
  • Parent Loans

There is a reason that SoFi is the number one private student loan company with over 300,000 members servicing their student loans. If you are looking to take out a private student loan, SoFi should be at the top of your list.

SoFi Student Loans
SoFi Student Loans

SoFi initially launched its student loan product in 2019. Their goal was simple, to help students pay for school easily. SoFi helps students and parents make smart financial decisions through transparency, tons of resources and support, and modern customer-first solutions. With SoFi student loans, they really believe in being transparent and pass this information long throughout their website, including their ideals that they strongly believe you should exhaust all of your Federal grant and loan options before you consider SoFi as your private loan lender. With this in mind, once you have exhausted those options, SoFi student loans can cover up to 100% of the school-certified cost of attendance, which typically includes things like tuition and food, books and supplies, room and board, transportation and personal expenses.

SoFi Student Loans offers multiple repayment options including;

  • 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

With these repayment options, there is really no reason not to consider SoFi student loans as your top choice for taking out a student loan for your upcoming school year. Apply for a loan with SoFi today.

SoFi Student Loans

The SoFi Student Loan Advantage

Lender
Social Finance, Inc

Eligible Degrees
Graduate & Undergraduate

Loan Terms
5, 10, 15 years

Variable Loan
Rates from 1.90% – 11.66% APR (with automatic payment)

Fixed Loan
Rates from 4.23% – 11.76% APR (with automatic payment)

Terms
You can find all terms and conditions for SoFi here.

SoFi Student Loans

Other Current Lender Offerings

Lender Rates (APR)* Terms* Soft Credit Check*
1.24% – 12.78% 5, 7, 10, 12, 15 Soft credit check logos REQUEST RATE

Fast Facts

Soft Credit Check Soft credit check logos
Time to Apply 2 minutes
Variable Rates 1.24% – 11.44%
Fixed Rates 3.95% – 12.78%
Income Requirements No Min
Eligible Loans Private
Minimum Lending Amount $1,000
Cosigner Soft credit check logos

Details

  • Fast application and approval process
  • 9-month grace period (3 months more than most lenders)
  • No fees for origination, disbursement, prepayment, or late payment
  • Skip a payment once a year (once repayment period has started)
  • Expert support from our Client Happiness team
  • 0.25% Auto Pay discount
  • Covers up to 100% of school’s certified cost of attendance
  • Min lending amount – $1,000

All Details and Full Review

See additional details for Earnest Student Loans

See full review for Earnest Private Student Loans

2.69% – 14.50% 5, 7, 10, 12, 15 Soft credit check logos REQUEST RATE

Fast Facts

Soft Credit Check Soft credit check logos
Time to Apply 15 minutes
Variable Rates 2.69%- 12.98%
Fixed Rates 3.58%- 14.50%
Income Requirements No Min
Eligible Loans Private
Minimum Lending Amount $1,000
Cosigner Soft credit check logos

Details

  • Ascent Independent is a student loan that will help you pay for college WITHOUT the need for a cosigner
  • No origination, disbursement, or application fees
  • Ability to customize your loan
  • .25% interest rate deduction when on auto debit
  • Min lending amount – $1,000

All Details and Full Review

See additional details for ASCENT

See full review for ASCENT INDEPENDENT

2.69% – 14.50% 5, 7, 10, 12, 15 Soft credit check logos REQUEST RATE

Fast Facts

Soft Credit Check Soft credit check logos
Time to Apply 15 minutes
Variable Rates 2.69% – 12.98%
Fixed Rates 3.58% – 14.50%
Income Requirements No min
Eligible Loans Private
Minimum Lending Amount $1,000
Cosigner no cosigner logo

Details

  • Ascent Tuition is a student loan that will help you pay for college WITH a cosigner
  • No origination, disbursement, or application fees
  • Ability to customize your loan
  • 100% US-based customer service team
  • Free help with your application available by phone
  • Flexible loan terms and repayment options
  • Can apply with Cosigner
  • .25% interest rate deduction when on auto debit
  • Min lending amount – $1,000

All Details and Full Review

See additional details for ASCENT

See full review for ASCENT TUITION

4.11% – 10.78% 7, 10, 12, 15, 20 Soft credit check logos REQUEST RATE

Fast Facts

Soft Credit Check Soft credit check logos
Time to Apply 15 minutes
Variable Rates 4.11% – 10.78%
Fixed Rates 4.11% – 10.78%
Income Requirements No min
Eligible Loans Graduate
Minimum Lending Amount $1,000
Cosigner no cosigner logo

Details

  • Ascent Tuition is a student loan that will help you pay for college WITH a cosigner
  • No origination, disbursement, or application fees
  • Ability to customize your loan
  • 100% US-based customer service team
  • Free help with your application available by phone
  • Flexible loan terms and repayment options
  • .25% interest rate deduction when on auto debit
  • Min lending amount – $1,000

All Details and Full Review

See additional details for ASCENT

See full review for ASCENT GRADUATE

1.25% – 11.85% 5, 10, 15 Soft credit check logos REQUEST RATE

Fast Facts

Soft Credit Check Soft credit check logos
Time to Apply 2 minutes
Variable Rates 1.25% – 9.44%
Fixed Rates 4.74% – 11.85%
Credit Score Minimum 660
Income Requirements $24k annually, N/A with a cosigner
Eligible Loans Private
Minimum Lending Amount $5,000

Details

  • Available to both undergraduate and graduate school qualified
  • Great rates and no fees from not-for-profit credit unions
  • Ability to release Cosigner
  • Can apply with Cosigner
  • Automatic payment discount
  • No origination fees or prepayment penalties
  • 30-day no-fee return policy for all borrowers
  • Funds can be used to pay for qualified education expenses, including Tuition, Room and Board, Books, Computer(s), and more.

All Details and Full Review

See additional details for LENDKEY

1.25% – 12.35% 5, 10, 15 Soft credit check logos REQUEST RATE

Fast Facts

Soft Credit Check Soft credit check logos
Time to Apply within minutes
Variable Rates 1.25% – 11.15%
Fixed Rates 4.25% – 12.35%
Income Requirements No min
Eligible Loans Undergraduate & Graduate
Minimum Lending Amount $1,000

Details

  • Award-winning customer care to help you every step of the way
  • No disbursement or application fees
  • 2% origination fee, but there are no other application fees or prepayment penalties of any kind. This origination fee is subject to state-specific regulations.
  • Your loan helps provide education for those in need
  • Can apply with Cosigner
  • Low rates and flexible payment plans
  • Loan options from 5 – 15 years
  • .25% interest rate deduction when on auto debit

All Details and Full Review

See additional details for CommonBond

See full review for CommonBond

1.90% – 11.76% 5, 10, 15 Soft credit check logos REQUEST RATE

Fast Facts

Soft Credit Check Soft credit check logos
Time to Apply within minutes
Variable Rates 1.90% – 11.66%
Fixed Rates 4.23% – 11.76%
Income Requirements Inquire Within
Eligible Loans Undergraduate & Graduate
Minimum Lending Amount $5,000

Details

  • SoFi knows a thing or two about student loans. 98% of users would recommend to a friend
  • Award-winning customer care to help you every step of the way
  • No disbursement or application fees
  • No origination fees, application fees or prepayment penalties of any kind
  • Can apply with Cosigner
  • Low rates and flexible payment plans
  • Loan options from 5 – 15 years
  • .25% interest rate deduction when on auto debit

All Details and Full Review

See additional details for SoFi Student Loans

See full review for SoFi Student Loans

Need to take out a loan for your upcoming school year?
Let us help you. Get started today.

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