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Home » Student Loans » Student Loan Refinance » SoFi Student Loans Review 2023

SoFi Student Loans Review 2023

Updated: December 30, 2022 By Robert Farrington

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SoFi (short for Social Finance) started as a small company with just one product, student loan refinancing. Today, the company offers a variety of loans and financial services. But student loan refinancing is still its signature product. SoFi is also working to become a market leader in private student loans as well. 

Over the years, it has grown into the largest and most well known student loan refinancing lender. I personally attribute them to making student loan refinancing as mainstream as it is today. However, SoFi is not without it's growing pains. And it's hard to know if they're still the best with all the other competitors out there.

Are the rates at SoFi still compelling? Are the borrower perks still unique? Do they still offer great student loan bonuses?

The answer is yes - and that's why SoFi always makes it into our list of the Best Places To Refinance Your Student Loans. 

Even if you're leaning towards SoFi, you need to shop around for your student loan lender. We recommend doing this through Credible, a marketplace for student loan refinancing where you can receive and compare offers from multiple student loan refinancing lenders. Don't forget to take advantage of the $1,000 gift card bonus if you refinance with Credible.

This article explains what to expect if you take out a private student loan or refinance your existing loans with SoFi.


SoFi Student Loans Review

Quick Summary

  • One of the most popular student loan refinancing companies
  • Great member perks
  • Very low rates for highly-qualified borrowers
Table of Contents
SoFi Student Loan Refinancing
SoFi Private Student Loans
What Borrower Protections Are Available?
Who Qualifies To Apply?
Are There Any Fees?
How Do I Contact SoFi?
Is It Safe And Secure?
Other SoFi Products
Common SoFi Questions
Is It Worth It?
SoFi Features

SoFi Student Loan Refinancing

SoFi is a market leader in student loan refinancing. It become one of the first companies to really provide an online experience in this space and continues to be a great option. And student loan refinancing is still what they're most well known for.

SoFi student loans

One unique aspect of borrowing with SoFi is its emphasis on career growth. As a borrower, you will qualify for free career coaching and local networking events. These personalized services can help push you towards a higher income and faster debt repayment.

Rates And Terms

SoFi offers borrowing terms of 5,7,10, 15, or 20 years on fixed and variable rate loans. The minimum amount you can refinance is $5,000 ($10,000 in California).

Current SoFi rates are as follows.

Fixed:

  • 2.74% - 6.39% APR (with AutoPay)

Variable:

  •  2.27% - 6.39% APR (with AutoPay)

Remember, these rates do change. So please check their website for the latest rates.

SoFi consistently offers rates that are among the lowest in the country. Other than competitive interest rates, SoFi’s loan offerings aren’t particularly exceptional.

The only lender we've seen with sometimes better rates is Splash Financial.

SoFi Student Loan Refinancing Details

Product Name

SoFi Student Loan

Min Loan Amount

$5,000

Max Loan Amount

None

Variable APR

4.99% - 8.99% APR

Fixed APR

4.49% - 8.99% APR

Loan Terms

5,7,10, 15, or 20 years

Promotions

None

Unique SoFi Repayment Programs

SoFi does offer some unique repayment programs that could benefit some. For example, they have a program for medical and dental residency candidates that offer $100/mo payments while in residency (for up to 4 years). 

This can be a life saver to doctors and dentists who are still in training, and only earning $50,000 per year, but have $200,000+ in student loan debt. 

Also, SoFi does allow for borrowers to refinance Parent PLUS Loans. Parent PLUS Loans are some of the most difficult Federal student loans to deal with, and refinancing is typically the best option if possible.

How Does SoFi Refinancing Compare?

SoFi is far from the only lender in the student loan refinancing space. While they were one of the first, many other lenders have emerged that are strong competition. However, SoFi is still consistently listed on our best places to refinance your student loans.

They have some of the best rates for highly qualified borrowers. Check out this quick comparison here:

Header
SoFi refinance student loans Comparison
SoFi Comparison: Splash Financial
SoFi Comparison: ELFI

Rating

Variable APR

4.99% - 8.99%

3.99% - 8.99%

3.99% - 7.24%

Fixed APR

4.49% - 8.99%

4.39% - 8.99%

4.83% - 7.64%

Bonus Offer

Up to $1,000

Up to $500

Up to $1,100

Cell
Cell
READ THE REVIEW
READ THE REVIEW

SoFi Private Student Loans

SoFi also offers private undergraduate and graduate student loans. These loans are extremely competitive with both rates and repayment terms. 

They also offer parent loans to pay for college, which not many other lenders offer.

Rates And Terms

SoFi undergraduate and graduate private loans have some of the best rates and terms available to borrowers.

With SoFi, you can borrow up to 100% of the cost of attendance, with a minimum of $5,000 ($10,000 in California). Their loans also have no fees: no origination fees, no late fees, and no insufficient funds fees.

They offer 5, 7 10, and 15 year term loans.

They offer both variable rate and fixed rate loans. Current rates for undergraduates are follows:

Fixed:

  • 2.99% to 10.66% APR (with autopay)

Variable:

  • 0.95% to 11.18% APR (with autopay)

These rates are current as of February 4, 2022.

The graduate school loans offer similar top tier rates, with the same basic repayment plans and options:

Fixed:

  • 4.13% to 10.90% APR (with autoPay)

Variable:

  • 1.05% to 11.29% APR (with autoPay)

SoFi Student Loan Details

Product Name

SoFi Private Student Loan

Min Loan Amount

$5,000

Max Loan Amount

100% Cost of Attendance

APR

As low as 1.77% APR

Rate Type

Variable and Fixed

Loan Terms

5, 10, or 15 years

Promotions

None

Loan Repayment Options

One of the highlights of SoFi's private student loan program is that they offer four repayment plan options - which can provide borrowers with a high level of flexibility.

They currently offer:

Immediate: This option requires immediate principal and interest payments on the loan. It's the highest monthly payment option, but the lowest overall cost option.

Partial: This option allows for a $25/mo payment while in school, then switches over to a standard payment after graduation. 

Interest Only: This option has interest-only payments while in school, and then switches over to a standard payment after graduation. 

Deferred: This option allows you to not pay anything while you're in school, and you begin full payments 6 months after graduation. This is most similar to a Federal loan.

SoFi also offers a 0.25% interest rate discount if you sign up to make automatic payments. This discount is reflected in their advertised loan rates.

How Do SoFi Private Loans Compare?

SoFi is a relative new-comer in the private student loan space. While their loans offer competitive pricing, they may not work for everyone. And while SoFi claims you may not need a cosigner, most borrowers will need to have one.

However, they are listed on our Best Private Loans page.

Check out this quick comparison here:

Header
SoFi private student loans Comparison
SoFi Comparison: Ascent Student Loans
SoFi Comparison: Funding U

Rating

Minimum Loan

$5,000

$1,000

$3,000

APR Type

Variable and Fixed

Variable and Fixed

Variable and Fixed

Cosigner

Not Required

Not Required

Not Required

Cell
Cell
READ THE REVIEW
READ THE REVIEW

What Borrower Protections Are Available?

When you refinance with any lender, you lose the protections offered by federal student loans. For example, people who refinance with SoFi cannot opt for an income-based repayment program. SoFi does have a forbearance program if you’ve become unemployed. The Unemployment Protection is offered in three month increments, and is capped at 12 months over the life of the loan. While generous, other lenders offer better forbearance programs.

SoFi also offer loan deferment for borrowers who return to graduate school, undergo disability rehabilitation, or serve on active military duty. It also offers a six month deferment to people who are in SoFi’s entrepreneurship program. During either deferment or forbearance interest continues to accrue on the loan.

SoFi's website doesn't list death and disability discharge as an option for borrowers, but we've confirmed with their compliance team that in cases of borrower death, the loan will be discharged - even if there is a cosigner. It will be listed on your promissory note.

However, there is no option for disability discharge at this time. Federal loans do offer this protection, and some private loans have started to as well. If you borrow with SoFi, consider a low cost life insurance policy or disability insurance policy.

Who Qualifies To Apply?

The number one criteria that SoFi considers when underwriting its loans is cash flow. If you have a high income, and relatively few debts, you’ll probably qualify to refinance with SoFi.

Additionally, SoFi considers your credit history and your current debt load. SoFi doesn’t use traditional credit scoring algorithms. But people with FICO credit scores in the 700 range or above tend to qualify.

We've found that SoFi was once one of the toughest places to qualify for refinancing. But over the last few years, they've loosened their lending standards a bit. However, if you have a lower credit score, you might be better off going with a company like Earnest.

In addition to meeting underwriting criteria, you must be a citizen or permanent resident of the United States with a degree from a four year university.

Are There Any Fees?

Neither of SoFi's student loan products really have any concerning fine print. They charge no fees - application, origination, or prepayment. And they even avoid charging late payment and insufficient funds fees.

SoFi student loans review: Fees

How Do I Contact SoFi?

SoFi student loans are actually serviced by MOHELA. However, SoFi does have its own in-house customer service team. You can get in contact with them by live chat, phone at 855-456-7634, or by tweeting @SoFiSupport. Their customer service hours are Mon–Thurs 5 AM–7 PM (PT), Fri–Sun 5 AM–5 PM (PT).

Is It Safe And Secure?

SoFi's site is TLS 1.2 Encrypted and the company regularly submits to third-party audits which review its security protocols against standards such as SSAE18 SOC2 and PCI DSS. It also offers two-factor authentication to help users prevent unauthorized access to their accounts.

If you just have SoFi student loans, you won't need to worry about having any money on deposit with the company. However, it should be noted that SoFi Money cash accounts are protected up to $1.5 million with FDIC insurance.

Other SoFi Products

SoFi is really becoming a major financial player, creating complimentary loans products and accounts in the investing and banking spaces too. Here are a few examples:

Mortgages: We've tried to use SoFi Mortgage, and we have a full SoFi Mortgage review here.

Personal loans: You should compare SoFi to other lenders just like you would with student loan refinancing. Check out Credible's Personal Loan Tool and see how SoFi compares for what you need.

Investing - SoFi Automated Investing is their investment management platform that is revolutionizing the robo-advisor space by offering 0% AUM fees. Read our SoFi Automated review here.

SoFi also has a traditional brokerage called SoFi Invest that seeks to compete with Robinhood. Read our SoFi Invest review here.

Cash Management - SoFi Money is a high interest checking account that has some of the top rates currently available to consumers. Read out full SoFi Money review here.

Common SoFi Questions

Here are some of the most common questions we get about SoFi:

Is SoFi Legit?

Yes, SoFi is a financial services company that focuses on lending, including student loans. They have been around since 2011 and started almost exclusively lending student loans.

Is SoFi Good For Student Loans?

Maybe. SoFi will lend based on a variety of factors, including credit history, income, amount of the loan, and more. If you're a highly qualified borrower, SoFi typically has some of the lowest rates. However, other lenders may be a good option as well.

Are SoFi Student Loans Federal or Private?

SoFi student loans (both in-school and refinancing) are all private. When you refinance a Federal student loan, it becomes a private student loan. This makes refinancing Federal loans not a good idea for most people.

What Company Services SoFi Loans?

MOHELA is the student loan servicer that handles SoFi's student loans.

Does SoFi Offer Any Type Of Bonus or Incentive?

Yes, SoFi offers various bonuses and refer-a-friend deals. Look around and you may be able to get a cash bonus if you refinance.

Is It Worth It?

SoFi offers decent interest rates on shorter term loans (up to ten years). If you’ve got a great income, and a decent credit history, you’ll likely qualify for a loan from SoFi. 

You can get a free rate estimate from SoFi (they won’t pull your credit until underwriting), so take a few minutes to get your rate. Then compare that rate with other lenders before deciding where to refinance.

However, we've found over the last few years that SoFi typically isn't the most competitive, and if you spend some time getting quotes from multiple lenders, you might be better served elsewhere.

SoFi Features

Min Loan Amount

  • Private student loans: $1,000
  • Refinance loans: $5,000

Max Loan Amount

  • Private student loans: Cost of attendance
  • Refinance loans: Total outstanding balance

APR

  • Refinance loans Variable: 4.99% - 8.99%
  • Refinance loans Fixed: 4.49% - 8.99%

Autopay Discount

0.25%

Rate Type

Fixed or variable

Loan Terms

  • Private student loans: 5,7,10,15, and 20 years
  • Refinance loans: 5,7,10, and 15 years

Origination Fees

None

Prepayment Penalty

None

In-School Payments

  • Full deferment
  • Fixed monthly payment of $25
  • Interest-only payment
  • Full monthly payment

Forbearance Period

Up to 12 months (issued in 3-month increments)

Cosigners Allowed

Yes

Cosigner Release

No

Grace Period

6 Months

Eligible Schools

Title IV-accredited schools

Customer Service Phone Number

855-456-7634

Customer Service Hours

Mon–Thurs 5 AM–7 PM (PT)

Fri–Sun 5 AM–5 PM (PT)

Address For Sending Payments

MOHELA
P.O. Box 1022
Chesterfield, MO 63006-1022

Promotions

None

SoFi Student Loans
  • Rates And Fees
  • Application Process
  • Customer Service
  • Products and Services
Overall
4.1

Summary

SoFi offers student loan refinancing, private student loans, personal loans, mortgages, and even investing. In this review, we focus on SoFi’s student loan lending products: student loan refinancing and private student loans.

Pros

  • Low rates and fees for student loan refinancing
  • Some unique programs for medical school
  • Parent PLUS Loan refinancing into the child’s name

Cons

  • Not many flexible repayment plan options
Robert Farrington
Robert Farrington

Robert Farrington is America’s Millennial Money Expert® and America’s Student Loan Debt Expert™, and the founder of The College Investor, a personal finance site dedicated to helping millennials escape student loan debt to start investing and building wealth for the future. You can learn more about him on the About Page, or on his personal site RobertFarrington.com.

He regularly writes about investing, student loan debt, and general personal finance topics geared towards anyone wanting to earn more, get out of debt, and start building wealth for the future.

He has been quoted in major publications including the New York Times, Washington Post, Fox, ABC, NBC, and more. He is also a regular contributor to Forbes.

SoFi Student Loans Review 2023

Editor: Clint Proctor Reviewed by: Claire Tak

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, or other advertiser and have not been reviewed, approved or otherwise endorsed by any of these entities.
Comment Policy: We invite readers to respond with questions or comments. Comments may be held for moderation and are subject to approval. Comments are solely the opinions of their authors'. The responses in the comments below are not provided or commissioned by any advertiser. Responses have not been reviewed, approved or otherwise endorsed by any company. It is not anyone's responsibility to ensure all posts and/or questions are answered.
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