The $99 bonus is The White Coat Investor’s flagship course, Fire Your Financial Advisor: STUDENT for free when you fund a private student loan through SoFi.
FYFA course must be claimed within 90 days of loan disbursement. To claim free course enrollment, visit here. An account will be created for you at wcicourses.com and you will receive an email with access instructions upon verification from the lender. Course access instructions are sent out once a month, generally the first week of the month.
SoFi offers a best-in-class private student loan experience with competitive rates, no fees required, and a fast online application that takes as little as 3 minutes to see your rate with no impact to your credit score. We offer both fixed and variable rate options, four flexible repayment plans (Deferred, Partial, Interest-Only, or Immediate), and term choices of 5, 7, 10, or 15 years (plus 20- year for certain majors) so they can tailor the loan to their budget. SoFi covers 100% of school-certified costs, and students who maintain a 3.0+ GPA can earn a cash reward of up to $250. As a full financial platform, SoFi also gives members access to other financial calculators, resources, products, and rewards.
Customers consistently cite the fast, all-online experience and transparent terms as standouts. We also get positive feedback around borrowers’ ability to check their rate without a hard credit pull and having multiple repayment options to choose from.
For Medical programs, we offer a number of unique benefits including 36 months of grace period to account for the borrowers’ residency programs. We also offer deferment up to 48 months during residency, fellowship, or other surgical disciplines. Additionally, we offer an additional repayment term option for the Medical audience, 20-years.
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 youconsider any private loans, including ours. Read our FAQs. 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 andrestrictions, 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-participatingschool, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Not all repayment options may be available for all loans. Minimum loan amount is $1,000. 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 current as of 3/4/2026 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891. (www.nmlsconsumeraccess.org).
SoFi does not offer a cosigner release program for In-School Student Loans disbursed prior to May 1, 2019. For In-School Student Loans disbursed on or after May 1, 2019 the borrower may apply for cosigner release after making 12 consecutive on-time full principal and interest payments or the equivalent thereof through a lump sum payment or payments, unless fewer payments are required in accordance with applicable law. Borrowers still must pass an underwriting review and meet all other requirements. Requirements subject to change.
Good Grades Reward: If eligible, you may receive one cash reward to a SoFi Checking and Savings account. The cash reward offered is $100 for single-semester loans and $250 for full-year loans. Additional terms and conditions apply, see https://www.sofi.com/private-student-loans/rewards-for-good-grades/ for details.
Interest Rates: Eligibility and Important Details. Fixed rates range from 2.45% APR to 15.33% APR with 0.25% autopay discount. Variable rates range from 4.39% APR to 16.36% APR with a 0.25% autopay discount. Unless required to be lower to comply with applicable law, Variable Interest rates are capped at 17.95%. SoFi rate ranges are current as of 7/6/2026 and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term and type of repayment option you select, evaluation of your creditworthiness, income, presence of a co-signer (if applicable) and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. Check out our eligibility criteria at https://www.sofi.com/eligibility-criteria/. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases. Autopay Discount: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly payments as outlined in your loan agreement by an automatic monthly deduction from a savings or checking account. This benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. When the autopay interest rate deduction is added or removed, the next time the loan is re-amortized (quarterly for fixed rate loans; monthly for variable rate loans),the principal balance of your loan will be spread over the remaining loan term, and your monthly payment amount will change. This benefit is suspended during periods of deferment, grace period, or forbearance. Autopay is not required to receive a loan from SoFi.