The interest rate used in the hypothetical example is not a specific loan offer nor does it mean that you would be approved for a student loan with SoFi. The hypothetical rate is based on the range of average SoFi rates based on the loan term that aligns with the hypothetical example. Your loan rate may not match what is presented in the hypothetical example, and in order to understand your unique loan rate you would need to go through the loan application and underwriting process.