資格基準

学生ローンの借り換え資格

SoFi学生ローン借り換えにご応募いただく前に、 学生ローン または 親御様向けPLUS ローンの借り換え資格についてご確認ください。SoFiからローンを取得するには、下記の情報に加えて、当社の審査基準も満たしている必要があります。

  • あなたは少なくとも居住州の成人年齢に達しており、拘束力のある契約を締結することができます。
  • 米国市民、永住者、または非永住外国人であること。プエルトリコおよび米領バージン諸島の居住者も対象となります。
    * 米国市民の方は、有効な米国写真付き運転免許証の画像またはスキャン、認証された出生証明書、有効な米国パスポート、有効な米国永住者カード、有効な政府発行の身分証明書、有効なグローバルエントリーカード、海外出生届、市民権証明書、または米国帰化証明書の
    いずれかを提示できる必要があります。* 永住者は、有効期限のない永住者カード（グリーンカード）の画像またはスキャン、または「居住開始日」から2年以上経過した有効期限の永住者カード（グリーンカード）の画像またはスキャンのいずれかを提示できる必要があります。永住権カード（グリーンカード）の有効期限が「居住開始日」から2年以内の場合は、過去12か月以内に発行されたI-751受領通知（I-751 NOA）またはI-829受領書のコピーも添付する必要があります。
  • 非永住外国人（DACA受給者および亡命希望者を含む）は、有効なE-2、E-3、H-1B、J-1、L-1、またはO-1ビザ、あるいはフォームI-797AまたはI-797Bなど、移民ステータスが最新であることを証明する有効な文書を所持している必要があります。
  • DACA（若年移民に対する国外強制退去の延期措置）
    • * 移民ステータスが最新であることを示す有効な就労許可文書。DACA (I-821D) または永住権 (I-485) のいずれかを申請している必要があります。
  • 庇護
    * 有効な就労許可証を所持し、永住権（I-485）と庇護および国外退去保留申請（I-589）の両方を申請している必要があります。 * 有効な身分証明書類に関する詳細は、 こちらを
    ご覧ください 。
  • 借り手は雇用されているか、他の収入源から十分な収入があるか、または今後 90 日以内に雇用が開始される予定である必要があります。
  • 過去に、学位を授与する Title IV 対象学校に入学したか、卒業したことがあります。
  • * 現在在学中の学生： 現在在学中の学生の教育資金として利用されているローンは、借り換えの対象外です。例えば、現在大学院に在籍している場合、SoFiは学部生向けのローンの借り換えは可能ですが、大学院課程を修了するまでは、大学院課程のローンの借り換えはできません。
  • 教育ローンの借り換えをお考えですか？弁護士費用ローンと居住費ローンは現在、借り換えの対象外です。

    • 学生ローンを借り換えるには、ローンを借りた学校が入学時に適格で認定された Title IV 学校である必要があります。

    ローンの適格性は、財務履歴、信用スコア、月々の収入と支出など、いくつかの追加要因によって決まります。

    州の資格:

    当社は、全米50州とコロンビア特別区で借り換えローンを提供しています。また、プエルトリコおよび米領バージン諸島にお住まいのお客様にも借り換えローンを提供しています。

    最低融資額:

    5,000 ドル（特定の州では法的要件によりこれより高くなる場合があります）

    2025年2月3日現在の資格基準

    研修医学生ローンの借り換え資格

    私はSoFi医療研修医借り換えローンの対象者ですか?

  • あなたは、承認されたプログラムの残り期間が最大 7 年である医学/歯科の研修医またはフェローです。
  • 米国市民、永住者、または非永住外国人であること。プエルトリコおよび米領バージン諸島の居住者も対象となります。
    * 米国市民の方は、有効な米国写真付き運転免許証の画像またはスキャン、認証された出生証明書、有効な米国パスポート、有効な米国永住者カード、有効な政府発行の身分証明書、有効なグローバルエントリーカード、海外出生届、市民権証明書、または米国帰化証明書の
    いずれかを提示できる必要があります。* 永住者は、有効期限のない永住者カード（グリーンカード）の画像またはスキャン、または「居住開始日」から2年以上経過した有効期限の永住者カード（グリーンカード）の画像またはスキャンのいずれかを提示できる必要があります。永住権カード（グリーンカード）の有効期限が「居住開始日」から2年以内の場合は、過去12か月以内に発行されたI-751受領通知（I-751 NOA）またはI-829受領書のコピーも添付する必要があります。
  • 非永住外国人（DACA受給者および亡命希望者を含む）は、有効なE-2、E-3、H-1B、J-1、L-1、またはO-1ビザ、あるいはフォームI-797AまたはI-797Bなど、移民ステータスが最新であることを証明する有効な文書を所持している必要があります。
  • DACA（若年移民に対する国外強制退去の延期措置）
    • * 移民ステータスが最新であることを示す有効な就労許可文書。DACA (I-821D) または永住権 (I-485) のいずれかを申請している必要があります。
  • 庇護
    * 有効な就労許可証を所持し、永住権（I-485）と庇護および国外退去保留申請（I-589）の両方を申請している必要があります。 * 有効な身分証明書類に関する詳細は、 こちらを
    ご覧ください 。
  • 米国のタイトルIV認定大学または大学院プログラムでMD、DO、DMD、またはDDSの学位を取得していること
  • SoFiの審査基準を満たしています。ローンの適格性は、財務履歴、信用スコア、月々の収入と支出のバランスなど、いくつかの追加要因によって決まります。

    • 州の資格:

    当社は、全米50州とコロンビア特別区で借り換えローンを提供しています。また、プエルトリコおよび米領バージン諸島にお住まいのお客様にも借り換えローンを提供しています。

    最低融資額:

    5,000 ドル（特定の州では法的要件によりこれより高くなる場合があります）

    2025年2月3日現在の資格基準

    学部学生ローンの資格

    SoFiの学部生向けローンにお申し込みいただく前に、資格基準をご確認ください。SoFiからローンを受け取るには、下記の情報に加えて、当社の審査基準も満たしている必要があります。

    借り手:

  • 借り手は居住州の成人年齢に達している必要があります。そうでない場合は、成人年齢の共同署名者が必要となります。
  • 米国市民、永住者、または非永住外国人であること。

    • * 永住者は永住権カード（グリーンカード）の画像またはスキャンを提示でき、グリーンカードの合計有効期間（発行から有効期限まで）が少なくとも 2 年である必要があります。

    * 非永住外国人（DACA受給者および亡命希望者を含む）は、移民ステータスが最新であることを示す有効な文書を所持している必要があります。

  • 借り手は雇用されているか、他の収入源（借り手または連帯保証人のいずれか）から十分な収入を得ている必要があります。
  • 借り手は、このローンを適格教育機関における適格高等教育費に充てる必要があります。このローンは準学士号取得を目指す学生にはご利用いただけません。
  • 借り手は、対象となる教育機関の学位取得プログラムに少なくとも半日以上在籍している必要があります。このローンは、準学士号取得を目指す学生にはご利用いただけません。ただし、学部課程の最終学期に在籍している学生は、半日未満の在籍も可能です。
  • SoFi では、満足できる学業成績 (SAP) は必要ありません。

    • 連帯保証人:

  • 連帯保証人は居住州の成人年齢に達している必要があります。
  • Cosigners must be US citizens, permanent residents, or non-permanent resident aliens. Loan eligibility depends on a number of additional factors, including your financial history, credit score, and monthly income vs. expenses.
    •

    Loan eligibility depends on a number of additional factors, including your financial history, credit score, and monthly income vs. expenses.

    State Eligibility:

    We offer in-school loans in 50 states plus the District of Columbia. We also offer in-school loans to residents of Puerto Rico and the U.S. Virgin Islands.

    Minimum loan amount:

    The minimum loan amount you can borrow is $1,000.

    Eligibility criteria current as of 3/30/22

    Graduate Student Loans Eligibility

    Before you apply for a SoFi Graduate Student Loan, MBA, Law, or Health Profession Loan, we’d like you to be aware of the eligibility criteria. In addition to the information noted below, you must also meet our underwriting criteria to obtain a loan from SoFi.

    Borrowers:

  • Borrowers must be the age of majority in their state of residence, otherwise an age of majority cosigner is required.
  • Borrowers must be a US citizen, permanent resident or non-permanent resident aliens.

    • * Permanent residents must be able to show an image or scan of their permanent residency card (Green Card), and their Green Card must have a total validity (from issuance to expiry) of at least 2 years.

    * Non-permanent resident aliens (including DACA recipients and asylum seekers) must have valid documentation showing immigration status is current.

  • Borrowers must use the loan for Qualified Higher Education Expenses at an eligible institution. International borrowers must have a Social Security Number (SSN) or International Tax Identification Number (ITIN) as well as a physical U.S. address.
  • Borrowers must be enrolled at least half time in a graduate certificate or graduate degree granting program at an eligible institution. For students who are in their final semester of a graduate degree seeking program, we do allow less than half time enrollment.
  • SoFi does not require Satisfactory Academic Progress (SAP).
    •

    Cosigners:

  • Cosigners must be the age of majority in their state of residence.
  • Cosigners must be US citizens, permanent residents, or non-permanent residents. Loan eligibility depends on a number of additional factors, including your financial history, credit score, and monthly income vs. expenses.

    • Loan eligibility depends on a number of additional factors, including your financial history, credit score, and monthly income vs. expenses.

    State Eligibility:

    We offer in-school loans in 50 states plus the District of Columbia. We also offer in-school loans to residents of Puerto Rico and the U.S. Virgin Islands.

    Minimum loan amount:

    The minimum loan amount you can borrow is $1,000.

    Eligibility criteria current as of TBD

    Parent Student Loans Eligibility

    Before you apply for a SoFi Parent Student Loan, we’d like you to be aware of the eligibility criteria. In addition to the information noted below, you must also meet our underwriting criteria to obtain a loan from SoFi.

    Borrowers (parents or other sponsors):

  • Borrowers must be US citizens, permanent residents, or non-permanent resident aliens.
    •

    Students:

  • The student must be enrolled at least half -time in a degree or graduate certificate granting program at an eligible institution.This loan is not available for associate degree seeking students.
  • SoFi does not require Satisfactory Academic Progress (SAP).
    •

    Loan eligibility depends on a number of additional factors, including your financial history, credit score, and monthly income vs. expenses.

    State Eligibility:

    We offer in-school loans in 50 states plus the District of Columbia. We also offer in-school loans to residents of Puerto Rico and the U.S. Virgin Islands.

    Minimum loan amount:

    The minimum loan amount you can borrow is $1,000.

    Eligibility criteria current as of TBD

    Graduate Certificate Student Loans Eligibility

    Before you apply for a SoFi Graduate Certificate Loan, we’d like you to be aware of the eligibility criteria. In addition to the information noted below, you must also meet our underwriting criteria to obtain a loan from SoFi.

    Borrowers:

  • Borrowers must be the age of majority in their state of residence, otherwise an age of majority cosigner is required.
  • Borrowers must be a US citizen, permanent resident or non-permanent resident aliens.

    • * Permanent residents must be able to show an image or scan of their permanent residency card (Green Card), and their Green Card must have a total validity (from issuance to expiry) of at least 2 years.

    * Non-permanent resident aliens (including DACA recipients and asylum seekers) must have valid documentation showing immigration status is current. Borrowers must be employed or have sufficient income from other sources (either borrower or cosigner). International borrowers must have a Social Security Number (SSN) or International Tax Identification Number (ITIN) as well as a physical U.S. address.

  • Borrowers must be employed or have sufficient income from other sources (either borrower or cosigner).
  • Borrowers must use the loan for Qualified Higher Education Expenses at an eligible institution.
  • Borrowers must be enrolled at least half time in a graduate certificate granting program at an eligible institution. For students who are in their final semester of a graduate degree seeking program, we do allow less than half time enrollment.

  • Cosigners:

  • Cosigners must be the age of majority in their state of residence.
  • Cosigners must be US citizens, permanent residents, or non-permanent residents. Loan eligibility depends on a number of additional factors, including your financial history, credit score, and monthly income vs. expenses.
    • SoFi does not require Satisfactory Academic Progress (SAP).

    Loan eligibility depends on a number of additional factors, including your financial history, credit score, and monthly income vs. expenses.

    State Eligibility:

    We offer in-school loans in 50 states plus the District of Columbia. We also offer in-school loans to residents of Puerto Rico and the U.S. Virgin Islands.

    Minimum loan amount:

    The minimum loan amount you can borrow is $1,000.

    Eligibility criteria current as of TBD

    Personal Loan Eligibility

    Before you apply for a SoFi Personal Loan, we’d like you to be aware of the eligibility criteria. In addition to the information noted below, you must also meet our underwriting criteria to obtain a loan from SoFi.

  • You are at least the age of majority in your state and able to enter into a binding contract.
  • You are either a United States citizen, eligible permanent resident, or non-permanent resident alien (including DACA recipients and asylum seekers).
    * US citizens must be able to show one of the following: an image or scan of their valid U.S. driver’s license with photograph, certified birth certificate, valid U.S. passport, valid U.S. permanent resident card, valid government issued ID card, valid global entry card, report of birth abroad form, certificate of citizenship, or certificate of U.S naturalization.
    * Permanent residents must be able to show one of the following: an image or scan of their permanent residency card (Green Card), and their Green Card must have a total validity (from issuance to expiry) of at least 2 years.
    * Non-permanent resident aliens (including DACA recipients and asylum seekers) must have valid documentation showing immigration status is current, including a valid E-2, E-3, H-1B, J-1, L-1, or O-1 Visa or a Form I-797A or I-797B.
    * You can find more information on acceptable ID documentation here.
  • You reside in a state where SoFi Lending Corporation or SoFi Bank, N.A is authorized to lend.
  • You are at least the age of majority in your state.
  • You must be employed, have sufficient income from other sources, or have an offer of employment to start within the next 90 days.
    •

    Loan eligibility depends on a number of additional factors, including your financial history, credit score, and monthly income vs. expenses.

    For applicants with one or more existing SoFi personal loans, the applicant must have made at least three payments, as well as the most recent three payments on-time (not late), on each loan in order to be considered eligible for an additional personal loan.

    State Eligibility:

    Minimum loan requirements might be higher than $5,000 in specific states due to legal requirements. Fixed and variable-rate caps may be lower in some states due to legal requirements and may impact your eligibility to qualify for a SoFi loan.

    See state license information here.

    Minimum loan amount:

    Personal loans have a minimum loan amount of $5,000 and maximum of $100,000. Minimum loan amount may be higher in specific states due to legal requirements.

    Eligibility criteria current as of 3/13/19

    Mortgage Eligibility

    Before you apply for a SoFi Mortgage or Mortgage Refinancing, we’d like you to be aware of the eligibility criteria. In addition to the information noted below, you must also meet our underwriting criteria to obtain a mortgage from SoFi. Loan eligibility depends on a number of additional factors, including your credit score and credit history, monthly income and expenses, assets, and employment status and history. Please note that not all products are offered in all states.

  • You are at least the age of majority in your state
  • You (or any co-borrower or co-signer) are a U.S. citizen, or an eligible permanent resident alien or non-permanent resident alien. Other restrictions and eligibility criteria apply to resident alien applicants and non-permanent resident alien applicants
  • You are purchasing or refinancing a primary residence, second home, or investment property
  • The property you are purchasing or refinancing will be your primary residence, second home, or investment property for at least 12 months
    •

    SoFi Bank, N.A. is currently able to issue and refinance mortgages in all states except purchase only for New York.

    SoFi Bank, N.A., NMLS #696891

    SoFi Bank, N.A. is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010-9050.

    Mortgage State Licensing Details for SoFi Lending Corp., a state-licensed lender (maintained for servicing purposes):

    Arizona

    SoFi Lending Corp. or an affiliate, 1035 W. Queen Creek Rd Ste 101 Chandler, AZ 85248, Mortgage Banker License #BK-0934275

    Arkansas

    SoFi Lending Corp. or an affiliate, 201 East Markham Suite 300 Little Rock, AR 72201 (501) 324-9260

    California

    Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612/NMLS #1121636

    Colorado

    Mortgage Company Registration License: #1121636

    Connecticut

    Licensed by the Connecticut Department of Banking – Mortgage Lender License #ML-1121636

    Georgia

    Georgia Mortgage Lender License #42010

    Idaho

    Mortgage Broker/Lender License: MBL-8673

    Illinois

    Illinois Residential Mortgage Licensee License No. MB.6761063 Department of Financial and Professional Regulation Division of Banking 100 West Randolph, 9th Floor Chicago, IL 60601

    General Inquiry Inquiries: 1-888-473-4858
    Division of Banking Direct: 1-844-768-1713
    TYY: 1-866-325-4949

    Iowa

    Mortgage Banker License: #2019-0054

    Kansas

    Mortgage Company License: MC0025600

    Kentucky

    Mortgage Company License: MC701438

    Louisiana

    SoFi Lending Corp. or an affiliate, Louisiana Residential Mortgage Lending License

    Maine

    Supervised Lender License NMLS #1121636

    Maryland

    Maryland Mortgage Lender License #21585

    Massachusetts

    Massachusetts Mortgage Lender and Mortgage Broker License #MC1121636

    Minnesota

    Residential Mortgage Originator License #MN-MO-1121636

    Missouri

    Missouri Mortgage Company License: License #1121636-S

    Montana

    Licensed by the Montana Division of Banking and Financial institutions, Montana Mortgage Lender License #1121636

    New Hampshire

    New Hampshire Mortgage Banker License #23682-MB

    New Jersey

    Licensed by the New Jersey Department of Banking and Insurance Residential Mortgage Lender License #1121636

    New Hampshire

    Mortgage Banker License 23682-MB

    Ohio

    NMLS Number: #1121636, Residential Mortage Lending Act Certificate of Registration: RM.804475.000

    Oregon

    Oregon Mortgage Lending License #ML-5418

    Pennsylvania

    Licensed by the Pennsylvania Department of Banking Mortgage Lender License #46311

    Pennsylvania Mortgage Servicer License #71737

    Rhode Island

    Rhode Island Lender License #20153065LL

    South Carolina

    Licensed by the South Carolina State Board of Financial Institutions, Lender/Servicer License #MLS-1121636

    Licensed by the South Carolina State Board of Financial Institutions, Lender/Servicer License-Other Trade Name #MLS-1121636 OTN #1

    South Dakota

    Mortgage Lender License: ML 05296

    Texas

    License #1121636. Consumers wishing to file a complaint against a mortgage company or a licensed mortgage company residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at WWW.SML.TEXAS.GOV. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at WWW.SML.TEXAS.GOV. The department maintains the mortgage broker recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult Subchapter F of the Mortgage Broker License Act on the department’s web at WWW.SML.TEXAS.GOV. SoFi Lending Corp. or an affiliate maintains a physical branch office location at 7700 Windrose Avenue, Suite 105, Plano, Texas 75024.

    Vermont

    Licensed by the Vermont Banking Division – Lender License #6705

    Washington

    Consumer Loan Company License CL-1121636

    West Virginia

    Mortgage Lender License #1121636

    Wisconsin

    Mortgage Banker License 1121636BA

    Wyoming

    Wyoming Mortgage Lender License #2659

    If you don’t see your state listed here, please let us know you are interested so that we can contact you as we expand our mortgage program.

    Questions? Chat with us online or call 844-763-4466

    Eligibility criteria current as of April 2022