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![Tim_Sweeney_TAR Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1594795769034252288.png) Timothy Sweeney [@Tim_Sweeney_TAR](/creator/twitter/Tim_Sweeney_TAR) on x 5117 followers
Created: 2025-07-24 02:38:58 UTC

$sofi

STUDENT LOAN OPPORTUNITY

With a reduction of the number of student borrowers that are able to defer repayment of their loans, a substantial number of those student loans initially look like they would be good targets for refinancing

However, the majority of these loans are due from people in their 30s and 40s who have not made any substantial payments for almost X years. And who have changed their spending to account for not paying student loans.

Their 90-day delinquency rates have increased substantially since January. Also, many of the people have seen their credit ratings fall. 

I don't expect there to be a huge multiple of student loans for Sofi in the second quarter. 

Yes, there will be an increase, but if Sofi continues its conservative underwriting, that potential market is a lot smaller.

And, the overall market is riskier for non payment, even after any refinancing.

And since rates haven't fallen substantially yet, this is more a third quarter opportunity than a second quarter opportunity.


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**Related Topics**
[$sofi](/topic/$sofi)
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