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Get competitive-rate in-school loans that work for you. SoFi makes the process simple—so paying for school is stress-free.

Apply for a SoFi Private Student Loan

Features & Benefits

  • Easy online application!
  • No origination fees, late fees, and no insufficient fund fees. Period
  • Flexible repayment options to help you find the right loan for you
  • 0.25% discount when you set up autopay


  • Must have income
  • Loan amounts: $5,000 minimum

Apply for a SoFi Private Student Loan

SoFi Private Student Loans Disclaimers

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 eligibile status and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. See for more information. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 02/01/2021 and is subject to change.

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 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.

SoFi loans are originated by SoFi Lending Corp., a lender licensed by the Department of Financial Protection and Innovation under the California Financing Law, license number 6054612; NMLS # 1121636. ( Terms, conditions, and state restrictions may apply.
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