How many days past the end of the term can a school certify a Private Student Loan? July 31, 2020 18:43 Updated 180 days after the term which includes past-due balances. Related articles Why did my SoFi Private School Loan not certify with my school? Can my SoFi Private Student Loan amount be adjusted (increased or decreased) after school certification? Why did you have to re-send for certification for my SoFi Private Student Loan?