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When I carved out the $1,100 each month for savings, some of this was from establishing the Rock Bottom Budget™, but another part was increasing my income at work. I became good at my job, showed up on time, worked extra when needed, and even volunteered for extra assignments. In a short period of time I got a raise (I work in corporate America so think pennies, not dollars), and then quickly after promoted. I became a go-to person so much so that they created a new position just for me. I didn’t even apply. Raises got bigger over time, salary and bonuses increased, and all because I tried really hard at work.
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Also, SoFi is not for everyone. They are deliberately skimming only certain categories of borrowers, which means a good experience for those who qualify but a frustrating (but quick) rejection if you don’t.