親の学生ローン

Q: What are the advantages of a private parent student loan versus a Parent PLUS loan?

Parent PLUS is a federal loan program with a generous deferment and forbearance availability and a less rigorous credit screen compared to most private loans. However, parents with strong credit and income may find much lower rates in the private loan market, especially after considering fees associated with Parent PLUS loans.

Q: What information do I need to apply?

Social Security number, Proof of income, Government-issued ID, Student’s school information (student’s estimated graduation date and academic term), Loan amount (how much you’d like to borrow), Financial aid you expect to receive

Q: Does my student have to attend full-time to obtain a SoFi Private Student Loan?

No they don’t, but they must be enrolled in a degree-seeking program at an eligible school and be attending classes at least half-time. Check out our full eligibility requirements to learn more.

お支払いをサポートするために構築されました
あなたのお子様の教育。

SoFiの親御様（またはスポンサー）向け学生ローンなら、
選択肢が広がります。競争力のある金利と 手数料無料の 親御様向け大学ローンは、お子様の教育費
のお支払いに役立ちます。

料金を見る

他の貸し手とは異なり、SoFi で金利を確認してもクレジットスコアには影響しません。 ^{†︎

-
料金を確認するには、「開示事項と免責事項」をご覧ください。}

弊社からのメールを受け取りましたか? 確認番号を入力してください

親の大学ローンが早く簡単に。

SoFiの親向け学生ローンは、親御さん（そしてスポンサーの方！）が、手数料や面倒な手続きなしでお子様の教育費をお支払いできるようサポートします。大学の学費の支払いは複雑なものですが、SoFiには必要なリソースが揃っています。

すべてオンライン。すべて簡単。

ローン申請はわずか数分で100%オンラインで完了します。当社のファストトラック申請をご利用いただくと、次回の親ローン申請がさらにスピーディーになります。

申請がいかに簡単かをご覧ください。→
手数料なし。手間いらず。

親御様向けの大学ローンは手数料無料です。これは本当の話です。初期手数料、延滞料、残高不足手数料は一切かかりません。
競争力のある料金。

自動支払い*による変動金利は最少 6.07% なので、他の民間貸し手よりもさらに節約できます。

あなたに合ったレートを見つけてください。→
会員限定特典。

SoFi会員は、特別な料金割引を受けることができます。 ^{‡^} さらに、ファイナンシャルアドバイザーやネットワーキングイベントなどにも無料でアクセスできます。
柔軟なローン。

親ローンには複数の返済オプションがあり、予算に合った支払いおよび料金プランを見つけることができます。

自分に合った返済方法を学びましょう。→
SoFi ポイントを使って借金を返済しましょう。

You can redeem rewards points to pay down SoFi parent student loans. Earning rewards points is as easy as setting up bill pay, checking your credit score, and more.

Learn how to get started. →

Choose from low fixed or variable rates.

Fixed

5.74% - 16.85% APR*

with all discounts

Variable

6.07% - 16.85% APR*

with all discounts

Not sure which to choose?
Learn more.→

PRIVATE STUDENT LOANS

Earn and redeem points to pay down your SoFi student loan.

Now you can redeem your rewards points to pay down SoFi parent student loans, and earning rewards points is as easy as setting up bill pay, checking your credit score, and more. No need to pinch yourself—it really is that easy.

Learn more

For complete Member Rewards details, read our Terms of Service.

How do I apply for a parent
loan for college?

1

Apply online in just minutes.

Get the rate for your parent loan fast and find out if you’re pre-qualified before you even finish the full application.
2

Select your rate and repayment option.

Choose from fixed or variable rates. Then, pick from four repayment options.
3

Sign and accept your loan.

Upload screenshots of your info, sign your paperwork electronically, and voilà—your work is done! We’ll handle it from here.

View your rate

Repay your parent loan—your way.

Pick the parent loan repayment option that works for you and your budget.

Interest-only payments

Pay only interest payments while they’re in school.

• Reduces overall cost

Full immediate repayment

Make principal and interest payments as soon as the parent loan is completely disbursed.

• Lowest overall cost option

View repayment examples

Parents loans for college on
your terms.

You’ve got the choice of four different term options for parent student loans. Pick the rate and schedule
that feels right for you.

5-year

7-year

10-year

15-year

View repayment examplesStart your application

Parent Loan Resources

Got more questions about college loans for parents? Our online resource center covers parent loans and more with over 500 articles, budgeting tools, and guides.

How to Start Saving for Your Child's College Tuition

What is a Parent PLUS Loan?

Using In-School Deferment as a Student

お子様の大学費用を貯める方法

Visit SoFi Learn

FAQs

Q: What’s the difference between cosigning a loan for my student and taking out a parent student loan?-

The key difference lies in who is taking responsibility for the loan. When you cosign, both parent and student are responsible for the loan. For a parent student loan, the parent takes full responsibility. Cosigning may help your student qualify for a lower rate and may help their chances of approval since they typically don’t have a credit history. On the other hand, a parent loan will have no impact on your student’s credit. Parent student loans also help reduce the debt burden on students.

Q: What are the advantages of a private parent student loan versus a Parent PLUS loan?+

Q: How much of my student’s education costs can a SoFi Private Student Loan cover?+

SoFi Private Student Loans can cover up to 100% of the school-certified cost of attendance, which typically includes things like tuition and food, books and supplies, room and board, transportation and personal expenses. The minimum you can borrow is $1,000 (may be higher in specific states due to legal requirements—learn more ).

Q: What information do I need to apply?+

Social Security number or Tax Identification Number (TIN) are required from all borrowers all the time
Proof of income: You may be required to provide proof of income if SoFi is not able to validate it automatically. We could use something similar for gov't id.
Government-issued ID
Student’s school information (student’s estimated graduation date and academic term)
Loan amount (how much you’d like to borrow)
Financial aid you expect to receive
Do you already have a private student loan with SoFi? We’ll use your past application to pre-fill as much information as possible in your new application

Q: Does my student have to attend full-time to obtain a SoFi Private Student Loan?+

Q: When do my payments begin for the parent student loan?+

If you choose the interest-only repayment option, your interest-only payments will begin 30-45 days after the loan is . Your full principal and interest payments will begin 30-45 days after the student has graduated or left school. If you choose the immediate repayment option, your full principal and interest payments will begin 30-45 days after the loan is . The school determines the number of disbursements. The school may disburse the loan all at once, or they may divide the loan into multiple disbursements.

See more FAQs

Putting your student through college is a big life moment.

Besides SoFi college loans for parents, there are many federal loans, grants, scholarships, work-study programs, and other options to consider. Please borrow responsibly.

Book your call

Find your parent loan in minutes.

View your rate

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 and restrictions, 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-participating school and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. 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 subject to change. This information is current as of 4/20/25 and is subject to change.

^* Interest Rates: Eligibility and Important Details. Fixed rates range from 5.74% APR to 16.85% APR with all discounts. Variable rates range from 6.07% APR to 16.85% APR with all discounts. 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 6/1/23 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 /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. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments 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. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.

親の大学ローンが早く簡単に。

Choose from low fixed or variable rates.

Fixed

Variable

PRIVATE STUDENT LOANS

Earn and redeem points to pay down your SoFi student loan.

How do I apply for a parent loan for college?

1

Apply online in just minutes.

2

Select your rate and repayment option.

3

Sign and accept your loan.

Interest-only payments

Full immediate repayment

Parents loans for college on your terms.

5-year

7-year

10-year

15-year

Parent Loan Resources

FAQs

Putting your student through college is a big life moment.

Find your parent loan in minutes.

How do I apply for a parent
loan for college?

Parents loans for college on
your terms.