SoFi Student Loan vs. Marcus Student Loan Refinance
Side-by-side comparison · Updated 2026 · Independently reviewed
Marcus Student Loan Refinance
Marcus by Goldman Sachs
4.4
APR 5.99–9.99%. Up to $300K. Goldman Sachs backing.
Full review →WealthSpott Verdict
SoFi Student Loan wins on more measurable categories — particularly on rate and cost. Marcus Student Loan Refinance may still be the right fit depending on your loan amount and term needs.
Feature
SoFi Student Loan
Marcus Student Loan
APR Range
4.49% – 14.70% Best
5.99% – 9.99%
Loan Amount
From $1,000
$5,000 – $300,000 Best
Term Length
60–180 months
60–240 months
Origination Fee
None
None
Min Credit Score
650+ Best
660+
Funding Speed
—
2–4 weeks
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
Marcus Student Loan Refinance
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