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In addition to requiring your explicit permission, these credit pulls may impact your credit score. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors.Rates and Terms are subject to change at anytime without notice and are subject to state restrictions.Lastly, borrowers can select from 5, 7, 10, 15, and 20-year repayment plans.Origination fees are fees charged to borrowers for taking out a loan and are usually added to the principal balance.

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Read on to get the information you need before you decide.Each lender has its own specific underwriting criteria, so you may have a better chance of approval by certain lenders.

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