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the right place. Get started by entering your confirmation number below.

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LET'S GET STARTED.

 * Private Student Loans
 * Undergraduate Loans
 * Graduate Loans
 * Law & MBA Loans
 * Health Professions Loans
 * Parent Loans
 * Parent Loans
   * Private Student Loans
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   * Parent Loans
 * View my rate




PARENT STUDENT LOANS


BUILT TO HELP YOU PAY FOR
YOUR CHILD’S EDUCATION.

Parents (and sponsors!), you have options. SoFi’s no
fee, competitive-rate parent student loans can help you
pay the way for your student’s education.

View my rate

Checking your rate will not affect your credit score†︎.

Received a mailer from us? Enter confirmation #


FAST AND EASY PARENT STUDENT LOANS.

SoFi’s helped 375,000+ grads refinance their student debt. Now we’re helping
parents (and sponsors!) like you pay for your student’s education—without any
fees or fuss.


ALL ONLINE. ALL EASY.

Finish our simple online application in minutes—and finish it even quicker for
your next loan with our fast track application, which will pre-fill your info.
Plus, get peace of mind knowing SoFi will help cover the cost of your child’s
attendance.


NO FEES. NO FUSS.

No fees means no fees. That means no origination fees, no late fees, no
prepayment penalties, and no insufficient funds fees. Period.

%


COMPETITIVE RATES.

With variable rates as low as 1.56% with autopay*, you can save more versus
other private lenders.


EXCLUSIVE MEMBER BENEFITS.

SoFi members can qualify for exclusive rate discounts. Plus, get access to
career services, financial advisors, networking events, and more—all at no extra
cost.

PRIVATE STUDENT LOANS


NEW! EARN AND REDEEM POINTS TO PAY DOWN YOUR SOFI STUDENT LOAN.

Now you can redeem your SoFi Points to pay down your SoFi student loan. Earning
points is as easy as logging into the SoFi app, setting up direct deposit,
checking your credit score, and more.

Learn more

For complete Member Rewards details, read our Terms of Service . PDF File .




CHOOSE FROM LOW FIXED OR VARIABLE RATES.


FIXED

4.48% - 11.16% APR*

with autopay


VARIABLE

1.56% - 11.79% APR*

with autopay

Not sure which to choose?
Learn more.→


REPAY YOUR WAY.

Pick the repayment option that works for you and your budget.


INTEREST ONLY

Pay only interest payments while you’re in school.

 * Moderate payment while in school
 * Reduces overall cost


IMMEDIATE

Start paying principal and interest payments right away.

 * Highest payment option while in school
 * Lowest overall cost option

View repayment examples


HOW IT WORKS:


 1. 1
    
    APPLY ONLINE IN JUST MINUTES.
    
    Get your rate fast and find out if you’re pre-qualified before you even
    finish the full application. Seamlessly add a cosigner in just a few clicks.


 2. 2
    
    SELECT YOUR RATE AND REPAYMENT OPTION.
    
    Choose from fixed or variable rates. Then, pick from four repayment options.


 3. 3
    
    SIGN AND ACCEPT YOUR LOAN.
    
    Upload screenshots of your info, sign your paperwork electronically, and
    voilà—your work is done! We’ll handle it from here.

View my rate




NAMED A BEST PRIVATE STUDENT LOANS COMPANY
BY U.S. NEWS AND WORLD REPORT.

View my rate


TOOLS, TIPS, RESOURCES, AND MORE.

Our online resource center is filled with over 500 articles, budgeting tools,
guides, and more.

How to Start Saving for Your Child's College Tuition

What is a Parent PLUS Loan?

Using In-School Deferment as a Student

How to Start Saving for Your Child's College Tuition

What is a Parent PLUS Loan?

Using In-School Deferment as a Student

 * 
 * 
 * 

Visit SoFi Learn


FAQS

Q: What’s the difference between cosigning a loan for my student and taking out
a parent student loan?+-
The key difference lies in who is taking responsibility for the loan. When you
cosign, both parent and student are responsible for the loan. For a parent
student loan, the parent takes full responsibility. Cosigning may help your
student qualify for a lower rate and may help their chances of approval since
they typically don’t have a credit history. On the other hand, a parent loan
will have no impact on your student’s credit. Parent student loans also help
reduce the debt burden on students.
Q: What are the advantages of a private parent student loan versus a Parent PLUS
loan?+-
Parent PLUS is a federal loan program with a generous deferment and forbearance
availability and a less rigorous credit screen compared to most private loans.
However, parents with strong credit and income may find much lower rates in the
private loan market, especially after considering fees associated with Parent
PLUS loans.
Q: How much of my student’s education costs can a SoFi Private Student Loan
cover?+-
SoFi Private Student Loans can cover up to 100% of the school-certified cost of
attendance, which typically includes things like tuition and food, books and
supplies, room and board, transportation and personal expenses. The minimum you
can borrow is $5,000 (may be higher in specific states due to legal
requirements—learn more here #grad psl for legal requirements ).
Q: What information do I need to apply?+-
 * Social Security number
 * Proof of income (for some)
 * Government-issued ID (for some)
 * Student’s school information (student’s estimated graduation date and
   academic term)
 * Loan amount (how much you’d like to borrow)
 * Financial aid you expect to receive
 * Do you already have a private student loan with SoFi? We’ll use your past
   application to pre-fill as much information as possible in your new
   application

Q: Does my student have to attend full-time to obtain a SoFi Private Student
Loan?+-
No they don’t, but they must be enrolled in a degree-seeking program at an
eligible school and be attending classes at least half-time. Check out our full
eligibility requirements to learn more.
Q: When do my payments begin for the parent student loan?+-
If you choose the interest-only repayment option, your interest-only payments
will begin 30-45 days after the loan is fully disbursed. Your full principal and
interest payments will begin 30-45 days after the student has graduated or left
school. If you choose the immediate repayment option, your full principal and
interest payments will begin 30-45 days after the loan is fully disbursed. The
school determines the number of disbursements. The school may disburse the loan
all at once, or they may divide the loan into multiple disbursements.

See more FAQs


GET STARTED IN MINUTES.

Find your loan rate in just a few clicks.

View my rate

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 and must meet SoFi’s
underwriting requirements, including verification of sufficient income to
support your ability to repay. Minimum loan requirements may be higher than
$5,000 in specific states due to legal requirements. See SoFi.com/eligibility
for more information. View payment examples. Lowest rates reserved for the most
creditworthy borrowers. SoFi reserves the right to modify eligibility criteria
at any time. This information is subject to change. This information is current
as of 4/12/22 and is subject to change.



QUESTIONS?

Customer Support:
(855) 456-7634 Phone number
 * Mon-Thu 5:00 AM - 7:00 PM PT
 * Fri-Sun 5:00 AM - 5:00 PM PT

Home Loans General Support:
(844) 763-4466 Phone number

 * Mon-Fri 6:00 AM – 6:00 PM PT
 * Closed Saturday & Sunday

Invest Support:
investsupport@sofi.com
 * Mon-Thu 8:00 AM – 8:00 PM EST
 * Fri 8:00 AM - 7:00 PM EST
 * Closed Saturday & Sunday

PRODUCTS

 * Student Loan Refinancing
 * Medical/Dental Resident Refinancing
 * Parent PLUS Refinancing
 * Medical Professional Refinancing
 * Law and MBA Refinancing
 * Private Student Loans
 * Undergraduate Student Loans
 * Graduate Student Loans
 * Law and MBA Loans
 * Parent Student Loans
 * Personal Loans
 * Credit Card Consolidation Loans
 * Home Improvement Loans
 * Family Planning Loans
 * Travel Loans
 * Wedding Loans
 * Home Loans
 * Mortgage Loans
 * Mortgage Refinance
 * Auto Loan Refinance
 * SoFi Invest®
 * IPO Investing
 * Crypto
 * Fractional Shares
 * Active Investing
 * Automated Investing
 * ETFs
 * SoFi Protect
 * Renters Insurance
 * Homeowners Insurance
 * Auto Insurance
 * Life Insurance
 * Estate Planning
 * SoFi Credit Card
 * SoFi Checking and Savings
 * SoFi Relay
 * SoFi at Work
 * Small Business Financing

COMPANY

 * About Us
 * Our Leadership
 * How it Works
 * Our Values
 * Press
 * Investors
 * Careers
 * Diversity, Equity, and Inclusion
 * Contact Us
 * Blog
 * FAQs

LEGAL

 * Privacy & Security
 * Terms of Use
 * Disclaimers
 * Licenses
 * NMLS Access Opens A New Window.
 * Eligibility Criteria
 * ADA Accessibility
 * Business Continuity

QUESTIONS

 * FAQs
 * Contact Us

Stay up to date on the latest business news and stock
market happenings. Learn more SoFi daily news

 * 
 * 
 * 
 * 

 * 
 * 
 * 

2750 East Cottonwood Parkway #300
Cottonwood Heights, Utah 84121

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.





^ Rate Match Offer: Your pre-qualified rate, and the rate match program itself,
are conditional upon our verification of your application information, including
verification of sufficient income to support an ability to repay. Eligible
documentation of a competitor’s rate offer will be determined at SoFi’s sole
discretion and must be for the same loan amount, term, and repayment type. SoFi
will only match rate offers for private student loan products and will only
match down to 1.0% of the rate originally offered to the borrower and will only
match to the lowest rate available from SoFi. SoFi will only rate match for the
following companies: Sallie Mae; Commerce Bank; M&T Bank; National Education;
Regions Bank; Pen Fed; College Ave; Citizens Bank; Discover; MEFA; PNC; Nelnet;
Earnest; Union Federal; Custom Choice; AAA. The match will be on the rate,
exclusive of all discounts. To receive the Rate Match, you must: (1) register
and/or apply for a private student loan (2) provide documentation of an eligible
competitive rate offer; (3) call at (855) 456-SOFI (7634) or Chat and follow the
instructions to send in your proof of lower rate; (4) meet SoFi’s underwriting
criteria and book a private student loan with SoFi. Additional terms and
conditions may apply. SoFi may discontinue this program at any time.



SoFi loans are originated by SoFi Lending Corp. or an affiliate (dba SoFi), a
lender licensed by the Department of Financial Protection and Innovation under
the California Financing Law, license number 6054612; NMLS # 1121636.
(www.nmlsconsumeraccess.org) Opens A New Window. . Terms, conditions, and state
restrictions may apply.



SoFi Rewards Points: If you elect to redeem points for cash deposited into your
SoFi Checking and Savings or SoFi Money account, fractional shares in your SoFi
Invest account, cryptocurrency in your SoFi Invest crypto account, or as a
payment to your SoFi Personal Loans or SoFi student loans, your points will
redeem at a rate of 1 cent per every point. If you elect to redeem points as a
statement credit to your SoFi Credit Card account, your points will redeem at a
rate of 0.5 cents per every point. For more details, please visit the Rewards
page. Brokerage and Active investing products offered through SoFi Securities
LLC, member FINRA/SIPC.



SoFi Credit Card accounts subject to credit approval. The SoFi Credit Card is
issued by The Bank of Missouri (TBOM) (“Issuer”) pursuant to license by
Mastercard® International Incorporated and can be used everywhere Mastercard is
accepted. Mastercard is a registered trademark, and the circles design is a
trademark of Mastercard International Incorporated.

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