Direct lenderNo compensation relationship
SoFi student-loan research profile
Private education lending and refinancing within a broader digital financial-services platform. This profile organizes public information; it does not quote a rate, predict eligibility, or recommend a universal winner.
Verified September 11, 20264 official sourcesTerms can change
Evidence ledger
Public terms, normalized.
“Not disclosed” means we did not find a clear statement in the reviewed primary source. It never means zero or unavailable.
| Field | What the reviewed source says | Evidence |
|---|---|---|
| Provider model | Direct lender | Undergraduate terms → |
| Published product types | Undergraduate, Graduate, Parent, Law, Mba, Health Professions, International, Refinance | Undergraduate terms → |
| Rate types | Fixed and Variable | Undergraduate terms → |
| Published repayment terms | 5, 7, 10, 15 years | Undergraduate terms → |
| Fees | Public product pages state no application, origination, late, NSF, or prepayment fees. | Undergraduate terms → |
| Cosigner release | Published path after at least 12 scheduled on-time payments or equivalent lump sum, subject to underwriting; exclusions apply. | Cosigner release → |
| Independent borrowing | Possible if the borrower qualifies independently. | Undergraduate terms → |
| International borrowers | An international-student product is published; immigration-status and cosigner requirements are conditional. | International student loans → |
| Soft rate check | Published as available; a completed application may have a different credit-inquiry step. | Undergraduate terms → |
| Hardship support | Member assistance programs may be available; benefits and eligibility are conditional. | Undergraduate terms → |
| Loan limits | $1,000 minimum and $99,999 maximum per application on the cited general product information. | Loan limits → |
What requires live verification
Current APR, personalized offers, approval, school and state availability, discounts, and final product eligibility must be confirmed directly with SoFi. College Loan Finder has no compensation relationship with this provider as of September 11, 2026.
Primary sources
Sources were checked during the September 11, 2026 review. Provider terms and federal rules can change.