SoFi Student Loans Review

SoFi Student Loans

4.3

APR range	3.23% – 15.99%
Loan amount	$5,000 – $100,000
Term	10 yrs – 15 yrs
Min credit score	680
Fees	3 fee types
Rating	4.3 / 5

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SoFi private student loans include fixed and variable options. Rates current as of May 2026 with 0.25% autopay discount. Undergraduate loans typically require a co-signer.

Pros

No origination or application fees
Flexible repayment terms (up to 15 years)
Member benefits included
No credit check for student loans

Cons

Requires creditworthy co-signer for undergrads
Variable rates capped at 17.95%
Higher APRs than federal loans

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