SoFi Student Loan vs. Sallie Mae Student Loan

Side-by-side comparison · Updated 2026 · Independently reviewed

SoFi logo
SoFi Student Loan
SoFi
4.5

APR 4.49–14.70%. No fees. Member benefits included.

Full review →
Sallie Mae logo
Sallie Mae Student Loan
Sallie Mae
4.3

APR 4.50–15.37%. Multiple repayment options.

Full review →
WealthSpott Verdict

SoFi Student Loan wins on more measurable categories — particularly on rate and cost. Sallie Mae Student Loan may still be the right fit depending on your loan amount and term needs.

Feature
SoFi Student Loan
Sallie Mae Student
APR Range
4.49% – 14.70% Best
4.50% – 15.37%
Loan Amount
From $1,000
From $1,000
Term Length
60–180 months
60–180 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
Full review
Sallie Mae Student Loan
Full review

Not sure which loan is right for you?

Browse all loans