(1) Prize: $100,000 USD made payable to the winner.

Open only to legal residents of the fifty United States, the District of Columbia, Puerto Rico, Guam, American Samoa, US Virgin Islands, and Northern Mariana Islands, who are at least eighteen years of age or older as of time/date of entry.

LIMIT: One entry per person, regardless of method of entry.

Alternate Method of Entry: To enter without checking your Personal Loan rate, during the Sweepstakes Period, legibly handprint your full name, state of residence, email address, and age, on a plain 3×5 inch paper or card. Mail your completed Mail-In Entry to Realtime Media, Attn: SoFi Down With Debt Sweepstakes Entry (12709), 2460 General Armistead Ave, STE 209, West Norriton, PA 19403. Each Mail-In Entry must be mailed separately in a hand-addressed, properly stamped envelope. No photocopied or mechanically reproduced Mail-In Entries will be accepted. Sponsor is not responsible for postage-due Mail-In Entries or for any incorrect or illegible data contained in any Mail-In Entry. Mail-In Entries must be postmarked by August 17, 2026, and received no later than August 24, 2026, to be eligible for the Sweepstakes.