Hey, Vivian. >> Hey, Brian. So happy to be here to chat.>> So, let's talk a little bit about just like zooming out because borrowers have had an emotional roller coaster of confusion in the last few years over this, right. >> Yes, absolutely. And I mean, let's just be honest, this system has never been that clear, cut, and dry.Before, you know, some of the programs we have now, there was pay P a yee. There was repay re-ay. Then there was the save plan, which obviously was struck down by a federal court.Now ...

President Trump’s big tax-and-spending law includes new restrictions on how much students can borrow and how they repay. Here’s a guide to what is changing. https://t.co/eYLzViayc2 ...

Student Loan Repayment - Approximately 8 million student loan borrowers will see interest charges resume starting August 1st [1] - The Department of Education indicates interest accrual will restart for borrowers [1] - This resumption occurs under the SAVE plan, following a period of payment suspension [1]

Business Strategy & Growth - SoFi aims to be a one-stop shop for all financial services needs, expanding access to investing for main street investors [2] - SoFi has achieved 13 consecutive quarters of exceeding the rule of 40 (revenue growth + EBITDA margin), with guidance suggesting a 14th consecutive quarter [6][7] - SoFi is experiencing strong momentum with over 30% revenue growth and member/product growth, indicating strength across consumer spending and credit [9][10] Private Market Expansion - SoFi is expanding into private markets investing, offering access to products previously unavailable to main street investors [1][2] - SoFi provides access to IPOs (e.g., Rivian), alternative assets (private equity, credit, real estate), and private companies (through SPVs like Anthropic and SpaceX) [3] - Investment minimums vary, with some as low as $10, while others are around $500 or $2,500 [4] External Factors & Opportunities - Potential tailwind from a new Trump bill capping federal borrowing for college and grad school, which could drive more business to SoFi, although student loans are now a smaller part of the business [5] - Innovation, including AI, is expected to create more opportunities for American people, despite concerns about job displacement [11][12][13] AI Integration - SoFi is deploying AI across its suite of products, including customer service, dispute resolution, suspicious activity reports, and personalization [13][14] - SoFi is testing "Cash Coach," a product to optimize cash management by showing users how much cash they have and how to improve returns, aiming to help users spend less and invest more [15]

DeFi Lending - DeFi lender deploys $1 million for student loans to the Philippines and Indonesia [1] Potential Risks - The report questions the cost associated with these loans [1]

Student Loan Market - Student loans experienced rapid growth as a form of household borrowing in America in the 20 years preceding the COVID-19 pandemic [1] - The situation is more unfavorable for the U S government regarding student loans [1]

Student Loan Policy - The spending bill's impact on student loans is heading to the President for signature [1]

Student Loan Policy Changes - The spending bill's impact on student loans is heading to the President for signature [1] Impact on Borrowers - The report focuses on how the spending bill will affect individuals with student loans [1]

Student Loan Policy - The spending bill's impact on student loans is heading to the President for signature [1]

Policy & Regulation Impact - Tax legislation is poised to favor companies providing private student loans [1] - The bill restricts the amount students and parents can borrow from the government for college [1] Industry Opportunity - Private student loan companies are set to benefit from the new legislation [1]