SoFi
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Worth it!!!
For me, it was difficult to know whether the many positive reviews I read about SoFi were written by real people or bots. When looking for debt relief I was both quite anxious and leary of trusting a service because I was afraid of making my situation worse. I wanted to take time to write a review because I am a real person and have had, so far, a great experience. Everyone's situation is different...so this is not meant to be advice. If your situation is similar to mine, perhaps SoFi can help you as well. When I applied I had about $40,000 of credit debt and a credit score of 640. Nervously, I applied a few different times, right up to the point of doing a hard pull on my credit because I feared making my score worse. After four starts, I finally completed the application. There was some relief in being presented about four or five options to paying off my debt. I chose the best terms for me and then felt some additional relief when I had a specific plan to pay off my debt in three years. I had read reviews about SoFi changing the APR during the course of repayment. My loan is a fixed APR for the term of the loan and the rate is far better than what two of my credit lines were. One question that took some time to find an answer to is that, after the first repayment, I can change the monthly due date. It took me three days to have the loan money show up in the accounts I needed it to...I had most of the loan deposited to creditors directly. I mention this because I did get confusing messaging from SoFi about when the money would actually show up in the accounts...and banks have their own slow processes. All in all, I am very glad a month in that I did this. It feels good to have a plan. The application process itself was easy.