Originally Posted by CJOttawa
If it's SoFi, read this: https://www.creditkarma.com/reviews/...personal-loans
Reviews seem to be "bi-modal" - people had either a really good or really bad experience with them. I'm always suspicious of excellent reviews being "bought" so assume the average rating is worse than it seems.
I'd explore other options first, like calling the government and asking for help, forgiveness, a better rate, whatever.
your last comment would be a better approach. I don't really need help just like I said a better rate always seems great. Especially 6% to something more in the 3% range.