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Planning your next getaway? For many people, especially families with kids, amusement parks and adventure parks are high on the list of popular travel destinations. Whether it’s Disney, Universal, Six Flags, Cedar Point, or any number of other parks, you’re likely to have an amazing time twirling, swooping, spinning, and splashing through the rides.

Because many of the biggest amusement and adventure parks are very popular (and expensive), it can take a bit of planning if you want to maximize your fun given the crowds and costs you can encounter. That’s where some vacation strategy comes into play.

Here, you’ll learn the smart tricks and tips that can help you make epic memories when visiting adventure and amusement parks.

Best Times to Visit to Avoid Crowds

If you love big roller coasters, water rides, haunted houses, and other heart-pumping rides, you are not alone. Lots and lots of people head to the parks in a typical year. For instance, the most popular theme park of 2022, Walt Disney World’s Magic Kingdom in Florida, welcomed more than 17 million visitors.

This means that many of the most beloved adventure parks can get quite crowded. If you are trying to book summer travel, schedule a spring break vacation, or travel over a holiday weekend, expect that many other people are also trying to visit a theme park at those same popular times.

While there may never be a time when there aren’t any crowds at some of the larger amusement parks, traveling midweek or during the offseason may help you avoid some of the crowds.

5 Tips for Making the Most of Your Amusement Park Trip

Here are a few of top tips for getting the most out of your amusement park trip:

1. Go Early

One of the best budget-friendly travel tips is to get to the park early. In many parks, crowds tend to only get bigger as the day goes on. If you’re there right as the park opens, you may be able to minimize the lines for rides and do more during your time at the park. Starting your day early may help keep you out of the sun with lower overall temperatures.

2. Prioritize Your Top Rides First

Along those same lines, you’ll want to take a look at the top rides that are most important to you. Prioritize riding those early in the day; you will likely avoid the disappointment of showing up midafternoon and discovering an incredibly long wait.

Most amusement parks have one or two new or really popular rides that generate the biggest crowds. Or perhaps it’s a forever favorite, like Space Mountain at Disney or the Wizarding World of Harry Potter at Universal. Lines for these rides tend to only increase as the day goes by, so if you want to ride, make a beeline for those attractions.

3. Make Reservations for Meals

Many restaurants at large amusement and adventure parks work on a reservation system. That means that you can’t just show up to the restaurant at noon and expect a table. Instead, you could wind up wandering around in a hangry state, unable to find what you want to eat.

You might be able to make reservations through the park’s mobile app. Another option: You can often stop by the restaurant earlier in the day to make a reservation for when you want to eat.

4. Bring the Right Gear

It can be smart to bring the right gear when you go to a large amusement park. This could include things like sunscreen, water, umbrellas, and/or ponchos. It may be difficult, costly or impossible to get some of these essentials inside the park.

If you’re traveling with infants, toddlers or young children, you want to make sure that you have all the essentials for them as well. Check your park’s policy on strollers and other large bags to make sure you’re not turned away at the entrance.

On the topic of planning ahead: When booking a trip to a park, you may want to consider getting travel insurance to protect your investment in your vacation. You may be covered by credit card travel insurance or want to buy a separate premium.

5. Pace Yourself

While it can be tempting to turn your day at an amusement park into a marathon, it’s wise to be flexible about how long you spend at a park. If you get there when the park opens, don’t feel that you have to stay there the whole day. If you do, make sure that you take frequent breaks so you don’t wear yourself (or your family) out and can get hydrated and oriented, especially if you’ve been doing a lot of spinning rides.

If your schedule allows and your park permits it, consider leaving the park during the hottest part of the day, going back to your hotel to relax, and then returning for the evening. Many small kids really enjoy this kind of pace, with pool time or a nap in the afternoon.

How to Help Young Kids Have a Good Time

Amusement park trips can be wonderful for young kids…or something significantly less than that.

Recognize that many parks are loud, crowded, and have lots of exposure to the elements (sun, humidity, rain, etc.). Waiting in line isn’t easy for little ones, nor is walking from one end of a park to the other. All of this can lead to kids being hungry, tired, and cranky.

Some advice to make the most of your visit to a park:

•  It can be wise to prioritize the kids’ top choice in terms of rides. This should help minimize aimless wandering and disappointment over missing their favorite rides.

•  Make sure that you have snacks and drinks on hand for them. Take frequent breaks to rest and refresh. Bringing your own food can also be a way families can afford to travel.

•  Acquaint yourself with where bathrooms are as soon as you enter the park.

•  Explain height requirements to kids, and figure out beforehand which rides they can go on so you don’t wait in line and then get turned away.

•  Also, many kids go a little souvenir-crazy while at the parks. It can be wise to set a budget in advance and help them understand how much they have to spend and that once it’s gone, it’s gone! That may help them spend wisely on souvenirs they won’t regret buying.

Ways to Save Money on Your Theme Park Visit

While many large theme parks are quite expensive, there are a few ways that you can save money on your visit.

•  Look for discounted tickets, either through a big box store, online deal, or at a travel agency. You can also look at staying at a hotel that is affiliated with the park which may reduce or eliminate park admission fees; while these accommodations may be pricier than other rooms, the bonus free park access could wind up making it a way to be a frugal traveler.

•  Don’t forget to see if you can use credit card rewards to buy down the price of your trip.

•  Bring your own snacks to the parks, including drinks (avoid glass bottles as some parks don’t allow them inside). Bottled sodas and water can be $5 or more at some of the most popular parks.

•  Also know that many theme park restaurants and snack stops will give you a free cup of ice water upon request.

•  If you do eat at the parks, consider sharing a meal. Portions as well as the price tag can be hefty.

•  See if you can snag discounts with memberships like those at AAA or Costco. Those can sometimes lower everything from hotel prices to car rental costs.

Recommended: Ways to Save Money on a Disney World Vacation

The Takeaway

Many large amusement or adventure parks are magnets for family travel, but they can also be quite expensive and crowded. Consider traveling in the off-season, arriving at the park early, and taking frequent rest breaks throughout the day as a few strategies to maximize your enjoyment at the park. Also bring some key supplies (sunblock, water, snacks) before you hit the parks.

SoFi Travel is a new service offered exclusively to SoFi members. Earn 2x rewards when booking with your SoFi Mastercard or debit card. Then apply those rewards to your next trip when you book through our travel portal. SoFi makes planning a getaway fast, easy, and convenient — perfect for people on the move.

FAQ

How do you beat the lines at an amusement park?

A couple of the best strategies to beat long lines at an amusement park: Travel during a less-crowded time of year, arrive at the park as early in the day as possible, and make sure to prioritize the most popular rides early in the day.

Are adventure park rides safe?

Many adventure park rides are regularly inspected, either by the park itself or certain independent or government inspectors. While amusement park ride injuries are rare, they do happen. You’ll want to do your own research to decide what parks and what rides you feel comfortable with.

What should I bring to a theme park?

Basics like water, snacks, sunscreen, and appropriate rain gear are good things to bring to a theme park. If you have young children, you’ll want to make sure that you have all the supplies that they will need as well.

Photo credit: iStock/wundervisuals

Could you use some good vibes? Whether you visit the famous vortexes, explore the red rocks, or simply enjoy a hike through nature, there are plenty of things to do in Sedona, Arizona, that will send those positive vibrations your way.

This town is awash in history, natural beauty, and spiritually rich experiences. Plus there are great arts, shopping, and dining. Here, learn about the 10 best things to do in Sedona, Arizona, and how to plan your trip to make the most of your time in the Southwest.

Best Times to Go to Sedona

Sedona can get hot for summer travel, so consider planning your trip for April, May, October, or November when it’s cooler. Bonus: There are flowers to enjoy.

Here are some annual events in Sedona you might want to plan your trip around:

•  April: Sedona Yoga Festival

•  May: Piano on the Rocks International Festival

•  July: Sedona Hummingbird Festival

•  September/October: Red Rocks Music Festival

•  October: Annual Sedona Rock, Gem & Jewelry Show

•  November: Sedona Food Truck Festival

•  December: The Festival of Lights

Bad Times to Go to Sedona

Summer can get pretty brutal in Sedona, with temperatures in the high 90s and even 100s June through August. If you’re traveling with pets, consider how the weather will impact them, especially if you go on a long hike in the dry air and high altitude.

Also, early July is monsoon season, so if you’re planning outdoor activities, there’s a chance you won’t be able to enjoy them during this period.

Average Cost of a Sedona Vacation

If you’re planning a weeklong vacation for two in Sedona, you’ll want to budget for renting a car and paying for a hotel room, activities, and food. On average, you can expect to spend about $3,614 a week for a couple or $2,012 for a solo traveler.

Hotels typically cost between $92 and $421, while vacation rentals often run from $260 to $600 per night, but you may be able to bring the whole gang or family.

Many of the best things to do in Sedona are free, so you won’t break the bank finding activities, but you do have to calculate how much it will cost you to get to and from Arizona. If a plane ticket will be involved, this could be a good moment to sign up for an airline credit card and earn some rewards or discounts.

Also think about whether you’d like to buy trip insurance. You may be covered by credit card travel insurance, or you may want to buy a separate premium to protect your investment in your vacation.

10 Fun Must-Dos in Sedona

If you’re saving your travel fund and thinking about your Arizona adventure, here are the top 10 things to do in Sedona based on recommendations from those who have recently visited, as well as top-rated attractions from travel review sites. There’s something for everyone, whether you are spiritual, sporty, or live to shop.

1. Take a Vortex Tour

Sedona is known for being a vortex hotspot. A vortex is considered to be a concentration of earth energy that you can feel in certain spots and may enhance meditation and self-knowledge. There are hikes like the Airport Mesa Vortex where you can try to feel the vortexes yourself, or you can take a tour.

There are many companies that offer vortex tours, including Sedona Spirit Journeys & Vortex Tours. The advantage of taking a tour with a guide is that they have permission to visit certain sacred sites that you won’t be able to access on your own, and they’re very knowledgeable about the vortexes. A three-hour tour for two people costs $194 each. You can use your plastic and earn some credit card rewards when paying. spiritjourneysofsedona.com/tour-journeys

2. Visit Tlaquepaque Art & Shopping Village

After your vortex tour, get your retail therapy on at the adorable Tlaquepaque Art & Shopping Village. This village is reminiscent of Old Mexico and houses art galleries, boutiques, and restaurants. You might linger till nighttime and enjoy a romantic dinner at René, an upscale French restaurant. tlaq.com/

3. Follow a Wine Trail

A fun thing for couples or groups to do in Sedona (or more precisely, just outside of Sedona) is wine tasting in Verde Valley. Cool off in the shaded patio of Javelina Leap Winery with a tasting flight, or watch Oak Creek gurgle by at Page Springs Cellars over a bottle of New Mexico Pinot Gris and a picnic. visitcottonwoodaz.org/wine-trail.html

4. Go for a Hike

Sedona is an outdoor enthusiast’s dream come true. A fun activity is to hike to see the many uniquely-shaped red rocks, like Snoopy Rock, Cathedral Rock, or Coffee Pot Rock, which looks just like what its name implies.

This amazing landscape will leave you with loads of memories, whether you hike for an hour or a full day. Plus, hiking is a free thing to do in Sedona, which can be a way that families afford to travel.

5. Book a Jeep Tour

Not in the mood to hike? One of the local Jeep tours, like the 60+-year-old Pink Adventure Tours (pinkadventuretours.com/), can get you out into the natural beauty of Sedona that you might not otherwise see. From one of these rugged vehicles, you can better appreciate the cliffs and ravines while (depending on which tour you take) learning about the lives of the indigenous Sinagua people or seeing where Hollywood Westerns were filmed. Prices start at around $79 for adults for a 90-minute tour.

6. Explore a Wild West Town

Just outside of Sedona is the not-to-be-missed Wild West town of Jerome. How can you not visit a place that was called “The Wickedest Town in the West”?

Jerome, perched on the side of a hill, boomed in the late 1800s, thanks to its copper mines, and was a hub for the best and the worst of life back then. Today, you’ll find a historic downtown with cute boutiques, art galleries, and restaurants. Start your morning with an indulgent breakfast at The Clinkscale, followed by a few hours of shopping and exploring. The first Saturday of each month, from 5 pm to 8 pm, there’s the Jerome Art & Wine Walk. jeromechamber.com/

Recommended: How Does Credit Card Travel Insurance Work?

7. Spiritual Reading

Take advantage of Sedona’s plethora of spiritual practitioners by having a tarot card or palm reading, going on a shamanic journey, or having your aura read. You can also have a reiki healing, a sound bath, or learn about transformational breathwork. If you’ve ever been curious about such pursuits, Sedona can be a great place to explore and experience them.

8. Meditate at Amitabha Stupa and Peace Park

Step out of Sedona and into Asia at the Amitabha Stupa and Peace Park. This beautiful park welcomes people of all faiths and is a wonderful place to walk, meditate, or pray. The Stupa, a dome-shaped structure, is 36 feet high and is said to bring visitors happiness and protection. tara.org/amitabha-stupa/

9. Have a Spa Day

A Sedona vacation, by its very nature, demands relaxation. What better way to slow down than to book an individual or couple’s massage at one of Sedona’s many spas?

Or you might try something different by experiencing a sweat lodge at Sedona’s New Day Spa, or pick the Time for Two package at Amara Spa.

10. Get Arty

Sedona draws (pun intended) artists from all around the world, who yearn to capture its famous red rocks and endless vistas. See exhibits at the Sedona Arts Center, which features 100 local and regional artists. You can also purchase jewelry, art, and photography made by the artists, and, if you’re an artist yourself, there are workshops and classes you can participate in. sedonaartscenter.org/

The Takeaway

Sedona offers nature, healing, and spirituality, as well as the chance to unwind from your busy life. The problem is: You won’t want to return home! Whether you are looking for an active getaway or something more relaxing, you’ll find it among the beautiful red rocks, along with great cultural attractions, shopping, and dining.

SoFi Travel has teamed up with Expedia to bring even more to your one-stop finance app, helping you book reservations — for flights, hotels, car rentals, and more — all in one place. SoFi Members also have exclusive access to premium savings, with 10% or more off on select hotels. Plus, earn unlimited 3%** cash back rewards when you book with your SoFi Unlimited 2% Credit Card through SoFi Travel.

FAQ

How long should I spend in Sedona?

You can see and do a lot in just three to five days in Sedona, including hiking to the famous red rocks, getting a massage or spiritual reading, shopping, and enjoying great cuisine.

What are some hikes in Sedona?

There are hikes for every level of expertise, including the Airport Mesa Vortex, Cathedral Rock, Bell Rock Climb, and Fay Canyon.

Can I find a vortex by myself in Sedona?

There are trails that you can hike to find vortexes in Sedona like the Airport Mesa Vortex, though taking a guided tour may help you discover vortexes in protected areas you can’t visit on your own.

Photo credit: iStock/bboserup

Standard processing time for passport renewal is between 10 and 13 weeks. While that may work for people who don’t have an international trip already planned, you may need to renew your passport faster than that.

The State Department offers a few ways to get your passport faster. One option that is available to everyone (for a fee) is Expedited service, which takes seven to nine weeks. If you have urgent travel or a life-and-death emergency that requires overseas travel, you may be able to call to get an appointment within a few days.

How Does Passport Renewal Work?

There are a few ways to renew your passport. Many people simply mail in their forms. But if your passport was issued a long time ago, damaged, or issued in a former name, you’ll need to appear at a passport processing facility in person.

In 2022, the State Department began a pilot program for citizens to renew their passports online. At the time of this writing, however, the program was paused.

If you are renewing your passport by mail, you can mail in Form DS-82, your old passport, a passport photo, and any relevant name change documentation. If you don’t qualify to renew your passport by mail, you must appear in person. You’ll need to bring Form DS-11, along with documents like proof of citizenship, identification, and two passport photos.

Average Wait Time for Passport Processing

According to the State Department, the standard wait time for processing a passport is between 10 and 13 weeks. If you choose to pay for expedited processing, it will take between seven and nine weeks. Figuring out when to renew your passport can be tricky, especially if you are a frequent international traveler or need to schedule getting a visa.

Expedited Passport Services

If waiting 10 to 13 weeks for a standard passport renewal doesn’t work for you, you have a few options. You can pay $60 for expedited service. The State Department offers additional services for emergencies and urgent travel.

How to Renew a Child’s Passport Fast

If you travel internationally with your family, you’ll need to keep your children’s passports current. This can be even harder for an adult passport. While adult passports are valid for 10 years, children’s passports are good for only five and must be renewed in-person. There are no special exemptions for renewing children’s passports fast — you’ll need to pay for expedited processing or call the State Department if you qualify for emergency- or urgent-travel processing.

Using Passport Expediters and Couriers

There are many companies that claim to be able to renew your passport fast. These companies are not part of the State Department, and you won’t get your passport any faster than if you appear in person at an official Passport Renewal Facility. Passport expediter or courier companies also charge additional fees.

Pro Tips for Getting Your Passport Fast

Regularly check your passport expiration date: Put it on your calendar once a year, tied to a larger financial or documents review. If international travel is on your agenda, don’t put off passport renewal; assume that it will take 13 weeks, and start the process ASAP.

Here are a few tips for getting your passport fast:

•  Gather all of your citizenship and identification documents.

•  If you have a life-or-death emergency or urgent international travel, you can call the State Department to get a rapid appointment.

•  If you’re renewing a young child’s passport, you’ll need both parents to appear in most circumstances.

The Takeaway

The State Department notes that passport renewal processing times are 10 to 13 weeks. You may pay an additional fee for expedited processing, which is between seven and nine weeks. If you have a life-or-death emergency or urgent international travel, you may also qualify to renew your passport fast by calling the State Department for a renewal appointment.

SoFi Travel has teamed up with Expedia to bring even more to your one-stop finance app, helping you book reservations — for flights, hotels, car rentals, and more — all in one place. SoFi Members also have exclusive access to premium savings, with 10% or more off on select hotels. Plus, earn unlimited 3%** cash back rewards when you book with your SoFi Unlimited 2% Credit Card through SoFi Travel.

FAQ

Can you renew a passport online?

In 2022, the State Department began a pilot program that allowed certain people to renew their passports online. As of March 2023, that program is paused, but it may open again at some point. Courier and expediting companies that are not part of the Department of State cannot help you renew your passport online — be wary when dealing with companies that promise online passport renewal.

What happens if my passport has already expired?

If your passport expired, what happens next will depend on how long ago it expired. Generally you can still renew your passport by mail as long as it’s not more than five years out of date. After that, you will need to renew your passport by appearing in person.

What is the quickest you can get a passport renewed?

If you qualify, you may be able to get your passport renewed within 24 hours. You’ll need to show proof of a life-or-death emergency that requires urgent international travel. You’ll also need to call the State Department and hope that there are immediate renewal appointments available. If possible, do your best to plan ahead before it becomes an urgent issue.

Photo credit: iStock/Evgenia Parajanian

If you’re considering borrowing student loans, you may be wondering if it’s possible to get a student loan without a credit history.

It is. You can borrow a student loan with no credit history, and it’s possible to get student loans with no credit check. Federal student loans (except PLUS Loans) don’t require a credit check.

Private lenders do, however, review an applicant’s credit history during the application process. Potential borrowers who don’t have a strong credit history may be able to add a cosigner to strengthen their application, but there are no guarantees.

Federal vs Private Student Loans

Student loans fall into two general categories: federal (offered by the government) and private (offered by banks and other lenders). There are options under each category that range from different eligibility requirements to fixed vs. variable interest rates. You can learn more about private vs. federal student loans in this student loans guide.

Types of Federal Student Loans

If you’re searching for “student loans, no credit check,” federal student loans (aside from PLUS loans) fit that description. Federal student loans are funded by the U.S. Department of Education and are based on education costs and your current financial situation, not your credit history.

The most desirable type of federal loan, the Direct Subsidized Loan, has relatively low fixed interest rates that are set each year by the government.

Subsidization means that the government will pay for any interest that accrues on the loan while you’re in school at least half-time, as well as during your grace period and some deferral periods. Direct Subsidized Loans are awarded based on financial need and are only available to undergraduate students.

The other type of no-credit-required federal loan is the Direct Unsubsidized Loan. It also typically has low interest rates, but no subsidy means the interest starts to accrue as soon as the money is loaned, and borrowers are required to pay the interest that accrues. Unsubsidized loans are available to students at all levels of higher education and are therefore one of the most accessible types of student loans.

One advantage with both these types of federal student loans is repayment flexibility, including deferment, income-driven repayment plans, and forgiveness programs like Public Service Loan Forgiveness. If you’re trying to build or improve your credit score, repayment options that could help keep you out of default are key.

Private Student Loans

Students also have the option of applying for private student loans, including graduate loans, which are available through some banks, credit unions, or private lenders. The terms can be very different depending on the type of loan, whether you choose a fixed or variable interest rate, and your financial history — which includes things like your credit score.

If you have less-than-stellar credit, or not much of a credit history and income, you’ll likely need to apply with a cosigner, typically a family member or a close friend who guarantees to repay the loan in the event that you can’t. It’s important to choose a cosigner wisely. It should be someone with a solid financial history that you trust.

💡 Quick Tip: Fund your education with a low-rate, no-fee SoFi private student loan that covers all school-certified costs.

Applying for Student Loans With FAFSA®

To start the federal student loan application process, fill out the FAFSA® (Free Application for Federal Student Aid). Filling out the FAFSA is free, and it doesn’t commit you to any particular type of loan. The FAFSA is also the tool used by many schools to determine a student’s full financial aid award, including scholarships, grants, work-study, and federal student loans.

You can explore student loan and scholarship information for more ways to help cover the costs of college.

Applying for Private Student Loans

To get a private student loan, potential borrowers will apply directly with the private lender of their choosing. Each loan application may vary slightly by lender as will the terms and interest rates. Private student loans don’t have the same borrower protections that federal student loans offer, such as income-driven repayment plans or deferment or forbearance options. Therefore, they’re generally considered as a last resort, after all other sources of aid have been exhausted.

Parent PLUS Loans

Students aren’t the only ones who can apply for federal financial aid. Parents of undergrad students that are enrolled at least half-time can apply to receive aid on their behalf via the Parent PLUS Loan.

This is another type of unsubsidized federal loan, but it’s more restrictive in that both parents and children need to meet the minimum eligibility requirements. This type of federal student loan requires a credit check.

Like private loans, borrowers who don’t have optimal credit history may apply with a cosigner to guarantee a PLUS loan. And students are still typically able to seek additional unsubsidized loans for themselves to cover any gaps.

💡 Quick Tip: Parents and sponsors with strong credit and income may find much lower rates on no-fee private parent student loans than federal parent PLUS loans. Federal PLUS loans also come with an origination fee.

Tips for Building Credit

Entering college can be a smart time to start establishing credit. A borrower’s credit score could mean the difference between getting a good deal on a loan, or not getting a loan at all. Even a few points higher or lower might impact the interest rates a borrower may qualify for.

There are a number of sites that let you see your credit score for free and offer notifications if there are changes, so it’s easy to keep track of where you are.

The number that signifies “good” credit is between 670-739 for FICO Scores®. These scores are determined by factors such as the number of credit accounts a person has and how they are managed. One way to start building credit is to open some kind of credit account, and then make regular payments.

Paying bills on time, the credit mix you have, and your credit utilization ratio may all play a role in determining a credit score. While everyone’s circumstances are unique, try to make bill payments on time. Another general rule of thumb to aim for is to keep the credit utilization ratio under 30%.

The Takeaway

Most federal student loans do not require a credit check and may be considered no credit check student loans. They are available to borrowers with no credit history. Parent PLUS loans are one exception as they are federal student loans that do require a credit check.

Private student loans also require a credit check. Students with a limited credit history may have the option to apply with a cosigner if they are interested in borrowing a private student loan. As noted earlier, however, adding a cosigner does not necessarily guarantee approval for a loan.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs. SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.

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