Let's talk about student loans! You deserve a stress-free experience.

Easy to apply, easy to graduate.

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Log in ›     Hi Janet, All too often, the notion of dealing with a student loan can be summed up in three words: Too. Much. Stress. It doesn’t have to be that way. Starting up and winding down your SoFi Private Student Loan shouldn’t be scary or exhausting:     • Looking to apply? We’ve streamlined the whole process to be simple and 100% online. Plus, it’s easy to add a cosigner! • Getting ready to graduate? SoFi forgoes your monthly student payments for six months after graduation. Forget the hassle and just flip the tassel.     View your rate BTW it’s a soft inquiry, so it won’t affect your credit score.†     Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.     To learn more, explore the Private Student Loan Page.       Have questions? Contact us   Download the SoFi app   SoFi is committed to fighting racism, standing in solidarity with all of our communities, providing space for open dialogue, as well as taking action as informed allies. 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., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Not all repayment options may be available for all loans. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is current as of 4/1/2026 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891. (www.nmlsconsumeraccess.org). Terms and conditions apply. SoFi Private Student loans are originated by SoFi Bank, N.A. NMLS # 696891 (www.nmlsconsumeraccess.org). Not all repayment options may be available for all loans. Minimum loan amount is $1,000. For additional product-specific legal and licensing information, see SoFi.com/legal. †To check the rates and terms you may 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. SoFi Bank N.A. values your privacy and the security of your personal information so please do not include sensitive personal information, such as your Social Security number, in any email or letter that you send to us. SoFi Bank, N.A. 2750 East Cottonwood Parkway #300, Cottonwood Heights, Utah 84121 Unsubscribe Privacy Policy Licenses © 2026 SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved. w: 690104 r: 2186486 ISL22-690104