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Hard credit inquiries (or hard credit pulls) are required for So Fi to be able to issue you a loan and may impact your credit score. If you lose your job through no fault of your own, you may apply for Unemployment Protection.
If you qualify, So Fi will suspend your monthly So Fi loan payments and provide job placement assistance during your forbearance period.
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Note: A Direct PLUS Loan is commonly referred to as a parent PLUS loan when made to a parent, and as a grad PLUS loan when made to a graduate or professional student.
As certified by your school and less any other financial aid you might receive. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a ,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate (“APR”): 54 monthly payments of while in school, followed by 96 monthly payments of 6.21 while in the repayment period, for a total amount of payments of ,266.38.
Enrolling in autopay is not required to receive a loan from So Fi. To check the rates and terms you qualify for, So Fi conducts a soft credit inquiry.
Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score.
Department of Education makes Direct PLUS Loans to eligible parents and graduate or professional students through schools participating in the Direct Loan Program.
Important: Most schools require you to apply for a PLUS loan online at Student Loans.gov, but some schools have different application processes.