Student Loans review · Updated October 2026

SoFi Review (2026)

Private student loans and refinancing.

Reviewed by our editorial team · How we rank · Advertising disclosure

The short version

Flexible terms and an early cosigner release option. On our student loan comparison, it's labeled Best for refinancing.

Key facts

Terms	5–20 years
Cosigner release	After 12 months
Fees	None required

What stands out

Terms of 5, 7, 10, 15 or 20 years
Cosigner release after 12 months
No required fees

Pros and cons

Pros

Rate discounts available
7-day customer service

Cons

Minimum credit score not disclosed

How SoFi compares

Side-by-side comparison

	SSoFi	EEarnest	CACollege Ave
Trustpilot rating	4.3 Trustpilot · 13,930 reviews	4.6 Trustpilot · 8,515 reviews	4.5 Trustpilot · 3,822 reviews
Terms	5–20 years	5–15 years	5–20 years
Cosigner release	After 12 months	–	After half the term
Fees	None required	No late or origination fees	Late fees only
	Visit site	Visit site	Visit site

Head-to-head comparisons

Alternatives to consider

Earnest review · Best for flexible payments
College Ave review · Best for repayment options

What to check before you sign up

Whichever student loan provider you choose, compare these points:

Fixed or variable rate. Fixed rates stay the same. Variable rates may start lower but can rise over the life of the loan.
Repayment length. Shorter terms cost less in total interest. Longer terms lower the monthly payment.
Cosigner release. Some lenders release a cosigner after a run of on-time payments. Check the exact requirement.
Deferment and forbearance. Private lenders vary widely in how they help if you lose income. Read this before you sign.

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