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You have to have good credit, usually 700 or higher, to get a SoFi personal loan. Applicants must be employed or have a letter of employment beginning in 90 days or fewer. Pros. Super affordable low-interest rates. 24-hours-a-day, 7-days-a-week customer support. The application process only does a "soft pull." Cons

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It was all supposed to be so easy. Making ends meet in 2016 proved. by $11.98 trillion over 10 years and has said student loan borrowers to pay 12.5% of their income and have their loans forgiven.

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Laura Suter, personal. So there is no easy answer as to whether parents are better off repaying a student loan with a lump sum once their child graduates – or indeed ensuring they do not need to.