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Choose a private student loan with great rates! With private student loan interest rates, it’s good to have options. That’s why SoFi offers low fixed or variable interest rates. Here’s more about our private student loans: Use our student loans for living expenses, books, food, and more. There’s no limit if your school certifies the cost. Our student loans apply to bachelor’s degrees or higher. And we cover graduate certificate programs, too. We have loans for students entering fall, spring, and summer terms. - All online. All easy. Prequalify for a SoFi Private Student Loan with a cosigner in minutes. - No fees. Period. What you see is what you pay back with SoFi Private Loans for Students. - Rewards points to help pay down your student loan. Easily earn rewards points* with our app by checking your credit score and more. Then, redeem them toward your student loan. - Six-month grace period. You could defer private student loan payments for six months after graduation. - Repay your way. Select private education loan interest rates and monthly payments to fit your budget. - Rate discounts. Get a 0.25% discount when you set up autopay.‡ Returning in-school borrowers are eligible for additional 0.125% rate discounts.^‡ A private student loan is taken out by students or their parents to pay for college or graduate school. Private student loans are different from federal student loans in that they are meant to fill the gap between financial aid and what your family can afford to pay. Private student loans are funded by private companies (like banks), require a credit check, and have different repayment options and terms.