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Get discounts with autopay, and don't worry about late or prepayment fees!

SoFi Student Loans: Borrow up to 100% of your higher education costs


Start your education journey with SoFi Student Loans as your financial partner without worrying about hidden fees. You can choose from a range of options that fit your needs and enjoy low-interest rates, whether you prefer fixed or variable rates. Setting up autopay gets you a discount, so you don’t have to worry about remembering to make payments. Don’t hesitate to start investing in your future today with SoFi by your side!


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SoFi has more than competitive rates, it offers the possibility to pay for your education. Check out these 4 outstanding benefits!

Get a student loan with a low credit score
No origination fees, prepayment penalties, and late fees
Enjoy a diverse portfolio of loan options
Choose a repayment option that aligns with your financial situation

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SoFi Student Loans offer a practical and affordable solution for those who want to pursue higher education but are struggling with rising costs.

Strengths and Special Offerings

  • Zero Fees: SoFi believes in transparency, sparing you from the burden of origination fees, prepayment penalties, and late payment charges. This means your focus remains firmly on your education.
  • Diverse Loan Options: SoFi knows every student has unique educational and financial needs. That’s why they offer a wide range of loan options for different levels of education, such as undergraduate, graduate, law, MBA, health profession, and even loans for parents.
  • Flexible Repayment Plans: SoFi empowers you with various repayment options, allowing you to choose the one that aligns with your financial situation. Whether you prefer deferment, interest-only payments, partial payments, or immediate repayment, SoFi has you covered.
  • Autopay Discount: Consider signing up for automatic payments, and you’ll receive a discount of 0.25% on your payments. This small benefit can add up to substantial savings with time.

Limitations to Consider

  • Variable Rates: Although variable interest rates might seem appealing at first because they can start out lower than fixed rates, they also come with a risk. This is because they can change over time, which could result in your monthly payments increasing.
  • Refinance Credit Requirement: Some people who want to refinance their loans with SoFi may not know if they are eligible because SoFi doesn’t tell them what credit score is needed. This can make things unclear and lead to uncertainty for potential borrowers.

To sum up, SoFi Student Loans stand as a compelling option for students seeking affordable financing for their educational journey. With no fees, a variety of loan types, flexible repayment plans, and an autopay discount, it’s clear that SoFi is a strong partner in paving the way to your brighter future.

SoFi is a well-known financial technology company that provides lending and investment services, including student loan refinancing. They are a member of the FDIC, licensed to operate in all 50 US states, and have competitive interest rates. Overall, SoFi is a trustworthy lender, but it is always smart to do your due diligence before using any financial service.

Getting a student loan from SoFi can be a bit of a slow process. Some borrowers have mentioned that it took them around 4-6 weeks to get their funds after submitting their applications. However, the exact time it takes can depend on different things, such as how complete your application is and the verification process.

Fixed interest rates remain the same for the entire term of the loan, which means that your monthly payments will also stay the same. Variable interest rates, on the other hand, can fluctuate over time based on changes in the market. This means that your monthly payments can also vary, potentially making it more difficult to budget for your loan payments.

If you have any questions about student loans from SoFi, you can get in touch with SoFi Bank’s customer support team at (855) 456-7634. Their customer support is available every day, from 5 a.m to 7 p.m.

SoFi Student Loan

Apply for SoFi Student Loans: up to 100% financing

Students seeking financial assistance for education can apply online for SoFi Student Loans. Find affordable loan options for you!

Are you looking to complement your financial toolkit for educational success with a student card? Then you should consider the Student Credit Card Deserve® EDU Mastercard for Students.

It’s the perfect pairing for students looking to build credit and make the most of their education. So, if you want to learn more about the requirements and application process, don’t miss out on our post below.

Deserve® EDU Mastercard for Students review

How to apply for a Deserve® EDU Mastercard?

Learn the step-by-step process to easily apply for a Deserve® EDU Mastercard for Students.

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