4.49%–15.99% APR· #2
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Social Finance LLC
SoFi Student Loans
Student loans plus career coaching and community
SoFi's membership model differentiates it from every other lender: borrowers get career coaching, financial planning, and unemployment protection alongside their loan. The no-fee structure and career community make SoFi the best total-value package for career-focused borrowers.
✓ Pros
- Unemployment protection — pauses payments if you lose your job
- Free career coaching and financial planning for all members
- No fees: no origination, no prepayment, no late fees
✕ Cons
- Rates not always the lowest for excellent credit borrowers
- Cosigner release requires 24 months of on-time payments
Scores
Overall
9.1
Safety
9.1
Value
8.9
Ease
9.3
Quality
9.2
Specifications
apr Range4.49%–15.99%
loan Amounts$1,000–full COA
repayment Terms5–15 years
cosigner ReleaseAfter 24 months
unemployment Protectiontrue