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SoFi has the lowest fees we saw, but it has stricter eligibility requirements than many of the other lenders we reviewed. SoFi looks at your credit, employment and education history to determine if you qualify for one of its loans. You must currently be employed to qualify for a loan from this lender, and you must have graduated from a Title IV accredited university that meets SoFi’s requirements. If you do qualify, however, the company doesn’t charge many of the fees that other lenders do, and the fees it charges are lower than the other lenders we reviewed.
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