{"id":2700,"date":"2026-07-02T23:13:14","date_gmt":"2026-07-02T23:13:14","guid":{"rendered":"https:\/\/crosscountrymovingteams.com\/?p=2700"},"modified":"2026-07-02T23:13:14","modified_gmt":"2026-07-02T23:13:14","slug":"best-private-student-loans-for-medical-school","status":"publish","type":"post","link":"https:\/\/crosscountrymovingteams.com\/?p=2700","title":{"rendered":"Best private student loans for medical school"},"content":{"rendered":"<div>\n<p><em>Fortune<\/em> has compiled a short list of our selections for the best private student loans for med school to help you understand your options.<\/p><p>Read more <a href=\"https:\/\/crosscountrymovingteams.com\/?p=2697\">NYPD confirms \u2018an event that we are tracking at Madison Square Garden on Friday night,\u2019 declines to comment on Taylor Swift wedding<\/a><\/p>\n<h2>Best private student loans for medical school of July 2026<\/h2>\n<p><em>Lender details checked June 30, 2026<\/em>.<\/p>\n<h2>Best for maximum flexibility: Sallie Mae<\/h2>\n<div><div><div><div><div><h2>Sallie Mae<\/h2><div><div><div><p>Maximum loan amount<\/p><div><span>Up to 100% of school-certified expenses<\/span><\/div><\/div><div><p>Minimum APR<\/p><div><span>2.89%<\/span><\/div><\/div><div><p>Max loan term<\/p><div><span>20<\/span><\/div><\/div><\/div><\/div><\/div><div>View offers at Sallie Mae<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" alt=\"Sallie Mae Bank logo\" class=\"wp-image-688\" height=\"683\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/20ec4fd9f5aefa4d3ed68bed46eb2e4f-1024x683.webp\" width=\"1024\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/20ec4fd9f5aefa4d3ed68bed46eb2e4f-1024x683.webp 1024w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/20ec4fd9f5aefa4d3ed68bed46eb2e4f-300x200.webp 300w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/20ec4fd9f5aefa4d3ed68bed46eb2e4f-768x512.webp 768w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/20ec4fd9f5aefa4d3ed68bed46eb2e4f.webp 1440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>1972<\/li>\n<li>Newark, DE<\/li>\n<li>Jonathan Witter<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>Sallie Mae is one of the best ways to privately fund medical school thanks to the many options it gives borrowers. For example, subject to approval, you can receive funding for the entirety of your medical schooling, no matter how expensive. Sallie Mae doesn\u2019t enforce a maximum limit on school-certified expenses.<\/p>\n<p>You\u2019ll also receive up to 20 years to repay your loan\u2014among the longest in the industry. Sallie Mae even offers a residency relocation loan for those who have completed (or are in the last year of) med school and want to finance the many costs associated with traveling for interviews, moving, licensing exams, etc.<\/p>\n<p>These features aren\u2019t terribly uncommon in the private student loan world, but it\u2019s rare to see all of them offered by a single lender. Read our Sallie Mae student loans review for more details.<\/p>\n<h2>Best for rewards and discounts: SoFi<\/h2>\n<div><div><div><div><div><h2>SoFi\u00ae Private Student Loans<\/h2><div><div><div><p>Maximum loan amount<\/p><div><span>Up to 100% of school-certified expenses<\/span><\/div><\/div><div><p>Minimum APR<\/p><div><span><span>2.98%<\/span><\/span><\/div><\/div><div><p>Max loan term<\/p><div><span>20<\/span><\/div><\/div><\/div><\/div><\/div><div>View offer at SoFi<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" alt=\"SoFi logo\" class=\"wp-image-1024\" height=\"682\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/31a22b559199960eb216063056e41a1f-1024x682.webp\" width=\"1024\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/31a22b559199960eb216063056e41a1f-1024x682.webp 1024w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/31a22b559199960eb216063056e41a1f-300x200.webp 300w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/31a22b559199960eb216063056e41a1f-768x511.webp 768w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/31a22b559199960eb216063056e41a1f.webp 1440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>: 2011<\/li>\n<li>: San Francisco, CA<\/li>\n<li>: Anthony Noto<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>SoFi is another lender that enforces no cap on the amount of school-certified expenses it will cover. Its max loan term is also 20 years, which can help to lower the monthly payment associated with an education that costs hundreds of thousands of dollars.<\/p>\n<p>In our analysis, SoFi by no means offers the lowest APR on the market. However, it does give you opportunities to lower your interest with activities like a 0.25% autopay discount and a 0.125% member rate discount. As of this writing, there\u2019s an extra 0.25% rate discount available when you apply by Sept. 3, 2026.<\/p>\n<p>SoFi also confers Member Rewards that you can redeem toward your medical school loan. You earn rewards for \u201csmart money moves,\u201d such as paying bills on time and improving your credit score. Read our SoFi student loans review for more details.<\/p>\n<h2>Best for multi-year approval: College Ave<\/h2>\n<div><div><div><div><div><h2>College Ave<\/h2><div><div><div><p>Maximum loan amount<\/p><div><span>$500,000<\/span><\/div><\/div><div><p>Minimum APR<\/p><div><span><span>2.49%<\/span><\/span><\/div><\/div><div><p>Max loan term<\/p><div><span>20<\/span><\/div><\/div><\/div><\/div><\/div><div>View offers at College Ave<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" alt=\"College Ave logo\" class=\"wp-image-831\" height=\"683\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/4afd159cc139e99bcc450b964e2a4e9d-1024x683.webp\" width=\"1024\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/4afd159cc139e99bcc450b964e2a4e9d-1024x683.webp 1024w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/4afd159cc139e99bcc450b964e2a4e9d-300x200.webp 300w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/4afd159cc139e99bcc450b964e2a4e9d-768x512.webp 768w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/4afd159cc139e99bcc450b964e2a4e9d.webp 1440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>2014<\/li>\n<li>Wilmington, DE<\/li>\n<li>Joe DePaulo<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>College Ave is another strong med school lender thanks to its 20-year term option and its residency relocation loan option. And while it does cap its medical school borrowing amount at $500,000, we think relatively few borrowers will find that to be a problem.<\/p>\n<p>It also offers a \u201cMulti-Year Peace of Mind\u201d program, which reduces the hassle of reapplying for your loan each year. Yes, you\u2019ll have to resubmit annually because it requires a separate credit check. But Multi-Year Peace of Mind makes this renewal largely procedural. That\u2019s not the case with most lenders.<\/p>\n<h2>Best for low minimum APR: Abe<\/h2>\n<div><div><div><div><div><h2>Abe.<\/h2><div><div><div><p>Maximum loan amount<\/p><div><span>$500,000<\/span><\/div><\/div><div><p>Minimum APR<\/p><div><span>2.50%<\/span><\/div><\/div><div><p>Max loan term<\/p><div><span>20<\/span><\/div><\/div><\/div><\/div><\/div><div>View offers at Money<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" alt=\"Abe logo\" class=\"wp-image-1021\" height=\"683\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/5692a5cfbcd9afa247865d989572f743-1024x683.webp\" width=\"1024\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/5692a5cfbcd9afa247865d989572f743-1024x683.webp 1024w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/5692a5cfbcd9afa247865d989572f743-300x200.webp 300w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/5692a5cfbcd9afa247865d989572f743-768x512.webp 768w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/06\/5692a5cfbcd9afa247865d989572f743.webp 1440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>2024<\/li>\n<li>Mechanicsburg, PA<\/li>\n<li>Seth Gelber<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>Abe is another lender that offers up to 20 years for you to repay your medical school debt with a maximum borrowing amount capped at what we think is a typically sufficient $500,000.<\/p>\n<p>Plus, Abe also has one of the lowest minimum APRs we\u2019ve seen among private student lenders. The lowest rate shown as of this writing is an incredible 2.50%. (This includes a 0.25% discount for enrolling in autopay.)<\/p>\n<p>But Abe also states it\u2019s possible to get a further 0.25% interest rate reduction for making on-time principal and interest payments during the repayment terms. Your rate would drop by 0.05% for every six consecutive on-time monthly payments of principal and interest you make, up to the maximum 0.25% (except during deferment or forbearance periods, which won\u2019t benefit from this reduction).<\/p>\n<h2>Best for low maximum APR: Citizens Bank<\/h2>\n<div><div><div><div><div><h2>Citizens Bank<\/h2><div><div><div><p>Maximum loan amount<\/p><div><span>$400,000<\/span><\/div><\/div><div><p>Minimum APR<\/p><div><span><span>3.24%<\/span><\/span><\/div><\/div><div><p>Max loan term<\/p><div><span>15<\/span><\/div><\/div><\/div><\/div><\/div><div>View offers at Money<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" alt=\"Citizens bank logo\" class=\"wp-image-2699\" height=\"683\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/0fdbd252719bf84b7e7d535e7918e3c3-1024x683.webp\" width=\"1024\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/0fdbd252719bf84b7e7d535e7918e3c3-1024x683.webp 1024w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/0fdbd252719bf84b7e7d535e7918e3c3-300x200.webp 300w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/0fdbd252719bf84b7e7d535e7918e3c3-768x512.webp 768w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/0fdbd252719bf84b7e7d535e7918e3c3.webp 1440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>1871<\/li>\n<li>Providence, Rhode Island<\/li>\n<li>Bruce Van Saun<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>In some ways, Citizens Bank is less flexible than online lenders. Its maximum borrowing amount for med school is $400,000; its maximum loan term is 15 years; it doesn\u2019t offer a residency relocation loan.<\/p>\n<p>But when it comes to maximum APR, its offering is superior.<\/p>\n<p>Citizens Bank charges, at most, an interest rate of 8.78%. That\u2019s far below the other contenders on our list\u2014and rivals the lowest private student loan rate you\u2019ll find anywhere. It\u2019s also one of the rare lenders that, similar to College Ave, offers multi-year approval.<\/p>\n<h2>What is a private student loan for medical school?<\/h2>\n<p>A private student loan for medical school helps you to fund your medical degree without requesting federal funding. You instead borrow the money from a bank, credit union, or online lender. Private student loans like this require good credit history, either from you or a cosigner. Your creditworthiness plays a big role in the interest rate you receive, as well.<\/p>\n<p>Depending on the lender and your specific program costs, it may be possible to fund your entire schooling with a private student loan. However, they\u2019re more commonly used as a secondary loan in addition to federal funding (we\u2019ll explain why in a minute).<\/p>\n<h2>Is a private student loan for med school a good idea?<\/h2>\n<p>A private student loan for medical school can be a great idea. But it\u2019s usually best to apply for all the federal funding you can get first. Federal loans have mandatory protections that private student loans typically don\u2019t, namely:<\/p>\n<ul>\n<li> If you\u2019re eligible, the government will pay any interest while you\u2019re still in school, as well as during the grace period after you leave school and during certain deferment periods.<\/li>\n<li> Federal student loans decide what you\u2019ll pay each month based on factors like income and family size. If you\u2019re suddenly making less money here and there during your loan term, your monthly payment will decrease to match your situation.<\/li>\n<li> A federal loan can potentially be erased if you use income-driven repayment for the full agreed-upon repayment term but still have a balance at the end.<\/li>\n<\/ul>\n<p>Whatever your specific medical school expenses, you likely won\u2019t be able to cover them entirely with federal student loans. A private student loan can help you finance whatever you owe beyond your federal student loan.<\/p>\n<h2>Pros and cons of private student loans for medical school<\/h2>\n<h3>Pros:<\/h3>\n<ul>\n<li>The most creditworthy borrowers may receive a lower interest rate than federal student loans<\/li>\n<li>Fund any school-certified expenses that federal funding won\u2019t cover<\/li>\n<li>Pause payments during medical school and, with some lenders, through residency<\/li>\n<\/ul>\n<h3>Cons:<\/h3>\n<ul>\n<li>Typically fewer hardship programs<\/li>\n<li>To qualify, you must have at least a good credit score (or a cosigner with good credit)<\/li>\n<li>Those without an excellent credit score may pay more interest than with a federal student loan<\/li>\n<\/ul>\n<h2>How to find the right private student loan for medical school<\/h2>\n<p>It\u2019s simple to find the right private student loan for your medical program by focusing on the following elements.<\/p>\n<h3>Interest rates<\/h3>\n<p>A medical school loan\u2019s interest rate determines the price you\u2019ll pay for the loan. Your interest rate can be the difference between whether a med school loan is affordable or not.<\/p>\n<p>For example, let\u2019s say you\u2019ve got a 20-year loan of $350,000. Assuming you pay the minimum amount each month, here\u2019s an estimate what you could expect to pay:<\/p>\n<ul>\n<li>At 4.00% APR \u2014 $159,023.48 in total interest ($2,120.93 per month)<\/li>\n<li>At 4.50% APR \u2014 $181,425.48 in total interest ($2,214.27 per month)<\/li>\n<\/ul>\n<p>As you can see, just a 0.50% difference results in more than $20,000 in interest\u2014and a nearly $100 difference in monthly minimum payments. This is why it\u2019s so important to find the absolute lowest interest rate you can qualify for.<\/p><p>Read more <a href=\"https:\/\/crosscountrymovingteams.com\/?p=2695\">Taylor Swift, Travis Kelce donate $26 million to charities ahead of rumored Madison Square Garden wedding<\/a><\/p>\n<h3>Maximum loan term<\/h3>\n<p>Similar to a loan\u2019s interest rates, your loan term options can be the difference between affording a med school loan and not.<\/p>\n<p>Longer loan terms mean lower minimum monthly payments. A lender that offers 15 years to repay a loan is less advantageous for you than another lender offering 20 years. It\u2019s typically wise to take the longest loan term to get the lowest monthly payment\u2014and then pay extra each month as you can afford it.<\/p>\n<h3>Maximum loan amount<\/h3>\n<p>Medical school programs are some of the most expensive degrees you can chase. Again, federal student loans typically won\u2019t pick up the entire tab. But some lenders let you cover every dime of your school certified expenses\u2014with no hard cap.<\/p>\n<p>Choose a lender willing to extend to you the full remaining balance after you\u2019ve exhausted your federal aid. Or, if federal aid is off the table for you, make sure the private student loan will cover your entire cost of schooling so you\u2019ve only got one minimum payment each month.<\/p>\n<h3>Residency deferment<\/h3>\n<p>Your medical schooling doesn\u2019t end at graduation; you\u2019ve still got residency ahead of you, which can last anywhere from three to seven years. You won\u2019t be making the big bucks yet.<\/p>\n<p>For this reason, some private lenders allow you to postpone full loan payments until after you complete your residency. Interest will keep accruing, but you won\u2019t have the burden of making costly medical student loan payments while money is already tight. Look for a lender that offers this option. You don\u2019t have to use it if you later decide that you\u2019d like to chip away at interest right away.<\/p>\n<h3>Residency relocation loans<\/h3>\n<p>Residency potentially comes with a slew of costs\u2014from interview trips to licensing exam fees to upfront rent costs for a new apartment to all the little expenses associated with moving. You could be staring at several thousand dollars in bills before you even begin earning a paycheck.<\/p>\n<p>A residency relocation loan is a type of medical student loan offered by select lenders to cover these costs. They typically allow fourth\u2011year medical students to apply in their last year of school (or within 12 months after graduating). Some lenders may require that you already have a relationship with them to qualify.<\/p>\n<h2>How to qualify for a private student loan for medical school<\/h2>\n<p>To qualify for a private graduate student loan, there are a few specifics the lender wants to see:<\/p>\n<ul>\n<li> Most medical students in their mid-to-late 20s likely don\u2019t have a robust credit history. Private lenders want to see responsible borrowing behavior. If your credit file is thin, you may need a cosigner with good credit.<\/li>\n<li> Not every medical school is on every lender\u2019s list of approved institutions. It\u2019s worth investigating before you formally apply to confirm that your school qualifies.<\/li>\n<li> DTI isn\u2019t the primary gatekeeper when it comes to med school loans, but it\u2019s good practice to keep non-student debt low, anyway. As a med student, you likely have undergrad loans and aren\u2019t currently earning much during school. Lenders know this, and many offer programs that account for the fact that residents and attending physicians earn very differently.<\/li>\n<\/ul>\n<h2>Our methodology<\/h2>\n<p><em>Fortune<\/em> focused on a handful of important factors that dictate the best private lender for medical school loans. Here\u2019s how we weighed each component:<\/p>\n<ul>\n<li> Some lenders offer up to 100% of your school-certified expenses, no matter how much it costs\u2014while others enforce maximum borrowing amounts.<\/li>\n<li> Each lender\u2019s lowest advertised rate was considered to give the most creditworthy borrowers (or those using a cosigner with excellent credit) an idea of how cost-effective a loan can be.<\/li>\n<li> Knowing the highest advertised rate by each lender is most useful for those with less-than stellar credit to know the maximum they might pay. The lower the number, the higher each lender scored in our ranking.<\/li>\n<li> The more time you\u2019ve got to repay your student loan, the better.<\/li>\n<li> Many lenders allow you to temporarily postpone (or greatly reduce) your student loan payments during your time in a medical residency program.<\/li>\n<li> Financial institutions that offer residency relocation loans scored higher for offering more med school-related options.<\/li>\n<\/ul>\n<h2>Frequently asked questions<\/h2>\n<details><summary><span><h3>What credit score do I need to qualify for the best private student loans for medical school?<\/h3><svg><\/svg><\/span><\/summary>\n<p>To get the best private student loans for medical school, the best practice is to have at least a \u201cgood\u201d credit score (670 or above, per FICO). If you don\u2019t, you\u2019ll likely need to apply with a cosigner who has a credit profile fitting that bill.<\/p>\n<\/details>\n<details><summary><span><h3>Which bank has the best private student loans for medical school with no origination fees?<\/h3><svg><\/svg><\/span><\/summary>\n<p>The best private student loans for medical school do not charge origination fees. These are largely obsolete among student loans issued by reputable financial institutions.<\/p>\n<\/details>\n<details><summary><span><h3>Do the best private student loans for medical school offer residency deferment options?<\/h3><svg><\/svg><\/span><\/summary>\n<p>The best private student loans for medical school do offer residency deferment options, often at least 48 months.<\/p>\n<\/details>\n<details><summary><span><h3>How much can I borrow with the best private student loans for medical school after hitting federal limits?<\/h3><svg><\/svg><\/span><\/summary>\n<p>The amount you can borrow with the best private student loans for medical school depends on the lender\u2019s own self-imposed maximums. Some have no limit, while others cap you at $400,000.<\/p>\n<\/details>\n<details><summary><span><h3>Do the best private student loans for medical school charge prepayment penalties?<\/h3><svg><\/svg><\/span><\/summary>\n<p>The best private student loans for medical school on our list do not charge prepayment penalties. You can pay off your loan early to save on interest without getting dinged.<\/p>\n<\/details>\n<h2>SoFi disclaimers<\/h2>\n<details><summary><span><h3>Pricing Disclosure<\/h3><svg><\/svg><\/span><\/summary>\n<p>Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi\u2019s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2024 was around $33K. Information current as of 03\/24\/26. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com\/legal for state-specific license details. See SoFi.com\/eligibility for details and state restrictions. <\/p>\n<p>Fixed rates from 7.74% APR to 35.49% APR. APR reflect the 0.25% autopay interest rate discount and a 0.25% SoFi Plus interest rate discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, operating from its Delaware branch, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take<br\/>out a loan originated by Cross River Bank. These rate ranges are current as of 03\/24\/26 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https:\/\/www.sofi.com\/eligibilitycriteria\/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of<br\/>your credit worthiness, income, and other factors. <\/p>\n<p>Loan amounts range from $5,000\u2013 $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive.<\/p>\n<\/details>\n<details><summary><span><h3>Member Rate Discount<\/h3><svg><\/svg><\/span><\/summary>\n<p>To be eligible for an additional 0.25% interest rate reduction on a Personal Loan, you must, within 31 days of loan funding, either (1) meet SoFi Plus eligibility criteria, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount. See the SoFi Plus terms for details on SoFi Plus subscription. For more details on Eligible Direct Deposit or Qualifying Deposits, please see https:\/\/www.sofi.com\/legal\/banking-rate-sheet. <\/p>\n<p>Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.<\/p><p>Read more <a href=\"https:\/\/crosscountrymovingteams.com\/?p=2693\">Scott Bessent goes after the top Mexican cartel\u2019s new billion-dollar business: gas stations<\/a><\/p>\n<\/details>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Applying for medical school can sometimes be a more financially consequential decision than taking out a mortgage. 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