SoFi Student Loan vs. Discover Student Loans
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 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
SoFi Student Loan
Discover Student Loans
APR Range
4.49% – 14.70%
4.49% – 14.99%
Loan Amount
From $1,000
From $1,000
Term Length
60–180 months
120–180 months
Origination Fee
None
None
Min Credit Score
650+ Best
660+
Funding Speed
—
—
SoFi Student Loan
Pros
- Competitive rates
- Competitive rates
- No fees
- No fees
- Member benefits
- Member benefits
Cons
- Requires cosigner for most
- Requires cosigner for most
- Good credit needed
- Good credit needed
Discover Student Loans
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