Discover Student Loans vs. SoFi Student Loan Refinance
Side-by-side comparison · Updated 2026 · Independently reviewed
Discover Student Loans
Discover Bank
4.4
APR 4.49–14.99%. No fees. Cash reward for good grades.
Full review →
WealthSpott Verdict
SoFi Student Loan Refinance wins on more measurable categories — particularly on rate and cost. Discover Student Loans may still be the right fit depending on your loan amount and term needs.
Feature
Discover Student Loans
SoFi Student Loan
APR Range
4.49% – 14.99% Best
4.99% – 14.70%
Loan Amount
From $1,000
$5,000 – $500,000 Best
Term Length
120–180 months
60–240 months
Origination Fee
None
None
Min Credit Score
660+
650+ Best
Funding Speed
—
2–3 weeks
Discover Student Loans
SoFi Student Loan Refinance
Pros
- No fees
- No fees
- Unemployment protection
- Unemployment protection
- Competitive rates
- Competitive rates
Cons
- Must have degree
- Must have degree
- Good credit required
- Good credit required
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