How many days past the end of the term can a school certify a Private Student Loan? July 31, 2020 18:43 Updated Follow 180 days after the term which includes past-due balances. Related articles Can my SoFi Private Student Loan amount be adjusted (increased or decreased) after school certification? Why did my SoFi Private School Loan not certify with my school? Why did you have to re-send for certification for my SoFi Private Student Loan? Should I apply one semester at a time for my Private Student Loan, or for the whole school/academic year? How long does a Personal Loan application process take?