I strongly believe no children will want to jeopardise their future to being sue under Bankruptcy. No matter what they will try to repay their loan or even to extend repayment. So I feel its still a good prospect grow for Sofi in future. The percentage for non repayment shall remain low.

SoFi Rallies to Record Streak as Student Loan Overhang Eases

SoFi Technologies Inc. advanced for a ninth straight day, as optimism over plans to restart student
SoFi Rallies to Record Streak as Student Loan Overhang Eases

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