SoFi Student Loan
Editor's ChoiceSoFi
4.5
4.49%–14.70% APR$1,000+Fee: NoneMin credit: 650+
APR Range
4.49%–14.70%
Loan Amount
$1,000+
Term
60–180 mo
Origination Fee
None
Our take
SoFi pairs competitive rates with unique member perks like career coaching and financial planning—all with zero fees.
Pros and cons
Pros
- +Competitive rates
- +Competitive rates
- +No fees
- +No fees
- +Member benefits
- +Member benefits
Cons
- −Requires cosigner for most
- −Requires cosigner for most
- −Good credit needed
- −Good credit needed
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Full details
| Minimum loan amount | $1,000 |
| Lowest APR | 4.49% |
| Highest APR | 14.70% |
| Shortest term | 60 months |
| Longest term | 180 months |
| Origination fee | None |
| Minimum credit score | 650+ |
Frequently asked questions
What is the APR range for SoFi Student Loan?
SoFi Student Loan offers APR from 4.49% to 14.70%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with SoFi Student Loan?
Loan amounts range from $1,000+. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for SoFi Student Loan?
A minimum credit score of 650 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
Does SoFi Student Loan charge an origination fee?
No, SoFi Student Loan does not charge an origination fee, which means 100% of your approved loan amount is disbursed to you.
Is SoFi Student Loan worth it?
SoFi pairs competitive rates with unique member perks like career coaching and financial planning—all with zero fees.
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Verified Apr 2026
SoFi Student Loan