よくある質問

はい、歯科レジデントも応募可能です。応募資格は、レジデンシー期間中に追加の授業料負担がなく、当社の資格基準を満たしていることです。

はい！SoFiは、研修医、歯科医師、フェローの皆様が主治医または歯科専門職になる前に、学生ローンの借り換えを承ります。研修医の皆様は、研修医またはフェローシッププログラム終了まで、SoFiへのローン返済として、最低月額100ドルをお支払いいただく必要があります。返済期間は最長84ヶ月です。さらに、研修医修了から主治医になるまでの期間（最長90ヶ月）を対象とする6ヶ月の延長期間が設けられています。この期間終了後、ローンは再分割され、返済額は完全分割返済ローンスケジュール（「全額返済期間」）に従って増加します。

• 1. 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あること。
• 2. 18歳以上の米国市民または永住者であること。永住者の場合は、滞在資格の有効期限が2年以上残っているか、延長申請を済ませていること。
• 3. 民間または連邦政府の学生ローンの負債が1万ドルを超えている。州によっては、法的要件により最低額がさらに高くなる場合があります。
• 4. 米国のタイトルIV認定大学または大学院でMD、DO、DMD、またはDDSの学位を取得していること
• 5. 歯科研修医のみ：追加の授業料負担を負わないことを証明する書類を提出してください。残りの学期分の授業料全額を奨学金として受け取るか、会計担当者から直接支払いを受ける証明書を提出してください。
• 6. SoFi の引受基準を満たしていること。

詳細については、SoFi.com/eligibilityをご覧ください。

レジデントおよびフェローは、レジデンシーまたはフェローシッププログラムにマッチング後、ローンの借り換えを申請できます。申請者は、すべてのレジデンシーおよびフェローシッププログラムを修了し、主治医または開業歯科医となるまで7年以内である必要があります。

レジデンシー プログラムを修了または終了すると、ローンは再度分割され、完全分割ローン スケジュールに従って支払額が増加します。

SoFiは、5年、7年、10年、15年、そして20年の固定および変動期間を提供しています。つまり、今日借り換えを行い、居住期間が残り4年で、20年のローン期間に借り換えた場合、すべての支払いを期日通りに行う限り、24年でローンを完済できます。

Interest that accrues while paying $100 monthly payments during the residency period will capitalize at the end of your residency period. This means that you will not be charged compounded interest on your SoFi loan during your residency period.

Yes! The AutoPay discount is a 0.25% interest rate reduction on loans in which you authorize the loan servicer to automatically deduct monthly payments from your bank account.

Yes. Once you are employed as an attending physician or dentist you can apply to refinance at SoFi’s standard rates and terms.

Yes! If your budget allows it, you are welcome to make additional payments on your loans at any time. SoFi does not charge any prepayment penalties (there are also no origination fees on SoFi student loans).

The minimum loan amount is $10,001 (and may be higher in certain states due to legal requirements). The maximum amount is the full balance of your qualified education loans.

SoFi considers many factors when we assess each individual’s profile; however, we will ask you for your medical specialty and estimate your post-residency income accordingly. The required monthly payment after the Residency period will be made clear to you during the application process, and will be included on the Final Disclosure that you receive prior to loan being funded. If your rate is variable, it will fluctuate with the prevailing interest rates, but will not exceed the maximum interest rate displayed on your Final Disclosure.

No. We will only be evaluating the loan on your individual circumstances.

Yes, SoFi will consolidate all qualified private and federal education loans.

No, it does not. SoFi will require minimum monthly payments of $100, for up to 84 months, during your residency/fellowship program plus a 6-month extension intended for the period between completing residency and becoming an attending physician (90 months maximum. While the $100 per month repayment period is likely to be less than your full loan payment, it is not considered a grace period.

SoFi loans are considered student loans for federal and state tax consideration. Note that you may or may not be eligible for interest deduction depending on your individual tax situation. You should consult your tax advisor for more information.

Yes and we would love your help in spreading the word to help your friends save money. Check out our Referral Program, which rewards you with cash for new applicants you refer.

No. SoFi student loan refinances, like all private education loans, are ineligible for PSLF or other federal repayment benefits. Understand that when you refinance federal loans, you forfeit certain flexible repayment options. If you expect to incur financial hardship that would affect your ability to repay, or you intend to practice in a PSLF-eligible setting, you should carefully consider your refinancing options. Check out SoFi’s blog post on refinancing / consolidation for more information.

SoFi offers a maximum of seven years in residency / fellowship as an option in our application. If the program will extend beyond that, the standard repayment term will kick in after a maximum of 84 months plus a 6-month extension intended for the period between completing residency and becoming an attending physician (90 months maximum).

Any fellowship or extended residency training period must be agreed to at the time of refinancing, and residents and fellows will not be able to extend the $100 minimum monthly payment term. Residents and fellows should call SoFi for assistance if there are any questions about this.

If you switch specialties during training, your stated interest rate will not change. The beginning of your full payments to SoFi and your expected residency completion date will not be changed.

There are several factors that affect your debt obligations should these unfortunate events occur. To see if you are eligible for a discharge, please contact our customer service team at 877-292-7470.

Yes, depending on your loan amount. During the up-to 84 month $100 monthly payment period, the minimum payment may not pay all of the interest due each month during the resident period, likely resulting in your principal balance becoming larger than your original loan amount at the end of your resident period. Note that you are able to make additional monthly payments as you see fit.