$SoFi Technologies Inc.(SOFI)$ Honest question,

Rates going down 0.

25 3 times this year , total 0.75, good or bad for sofi?

I am doing my DD , and still can't decide

So last year interest rates were rising, bad for sofi, couldn't sell their loans, now interest Rates will be going down this year, bad for sofi?

So which one?

Can't be both

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