DO YOU WANT TO WIN$100,000 CASH?
One $100,000 cash winner. January 18, 2027 at 11 a.m. Pacific / 2 p.m. Eastern. Postal entries must be postmarked January 18 and received January 25.
Giveaway details + how to enter
Cash Windfall Budget: Bills, Debt Balances and Savings Goals
- Prize
- One $100,000 cash prize. Normally paid into the verified winner’s SoFi Checking & Savings account; account-claim conditions and an ineligibility exception apply.
- Ends
- January 18, 2027 at 2:00 PM ET
Prize claim: the winner generally must have or open a SoFi Checking & Savings account within 60 days of verification. If SoFi finds the winner ineligible for an account, the rules permit an alternate payment at SoFi’s discretion. No bank account or rate check is needed for postal entry.
Affiliate disclosure: Freebie Mom may earn a commission when you use our signup links, at no extra cost to you.
Write down the amount received and distinguish it from expected income or a possible prize. Use the sections below to compare complete costs, keep rewards separate and make a plan that fits the amount available.
Start with money that is actually available
Write down the amount received and distinguish it from expected income or a possible prize. Then list the bills already due, their dates and the cash needed before the next regular payment arrives.
The CFPB’s Your Money, Your Goals toolkit includes a bill calendar, income tracker and debt log. Those worksheets can help organize the information before choosing a plan.
Put debt information in one clear list
Record each balance, payment due date and the terms shown on the latest statement. If you are considering paying a balance in full, request the current payoff amount from that provider rather than relying on an old screenshot.
Keep upcoming household expenses visible beside the list. A written plan makes the tradeoffs easier to assess; a single approach will not suit every combination of bills, debts and savings needs.
Keep survey points separate from the cash plan
Opinion Outpost’s U.S. program allows eligible members 17 or older, one account per person. Members may earn points through qualifying survey participation; studies, qualification and available rewards vary.
Track only credited points and review the current redemption catalog. A survey signup does not provide a fixed bill-payment amount, and a pending reward should not be counted as cash already available.
If it fits your routine, explore Opinion Outpost separately. Review current eligibility, participation requirements, reward choices and redemption thresholds. Keep pending rewards separate from money or gift cards already available.
Give each planned dollar a job
Use a simple worksheet with columns for amount available, upcoming bills, planned payments and money reserved for a stated goal. Update the totals when an actual payment or transfer occurs.
For example, allocating $200 of a hypothetical $500 balance leaves $300 to assign. Keeping that arithmetic visible helps prevent the same money being counted twice.
The separate SoFi Down With Debt $100,000 Sweepstakes appears below. Optional affiliate offers are independent of the sponsor’s promotion; complete the sponsor’s entry yourself for a chance to win.
SoFi Down With Debt $100,000 Sweepstakes
$100,000 CASH
1 prize winners
How to enter ✨
- For the no-rate-check postal route, handprint your full name, state of residence, email address and age on a plain 3×5-inch paper or card.
- Mail in a separately hand-addressed, properly stamped envelope to Realtime Media, Attn: SoFi Down With Debt Sweepstakes Entry (13115), 2460 General Armistead Ave, STE 209, West Norriton, PA 19403.
- One entry total. Postmark by January 18; it must arrive by January 25, 2027. The button opens official instructions; reading them does not submit an entry.
Please check: Prize claim: the winner generally must have or open a SoFi Checking & Savings account within 60 days of verification. If SoFi finds the winner ineligible for an account, the rules permit an alternate payment at SoFi’s discretion. No bank account or rate check is needed for postal entry.
Freebie Mom tickets are separate. They do not enter this giveaway or improve your odds. Complete the sponsor’s entry yourself.
More prize & drawing details
The online/rate-check period began November 9 at 11 a.m. Pacific. Free mail entry does not require a purchase, loan application or financial-account information on the card. Handprint only the specified name, state, email and age. Maximum one entry regardless of method. Winner declaration due within four days of notification. Normal prize payment is within 30 days after verification, subject to the account conditions; applicable taxes and identity/tax documentation remain the winner’s responsibility.
Full entry limit: One entry total across all methods. Free postal entry with postage: handprint full name, state of residence, email and age on plain 3×5-inch paper/card; mail separately in a hand-addressed, properly stamped envelope. An eligible personal-loan rate check is the alternative entry route; borrowing is not required.
Eligibility: Legal residents of the 50 U.S./DC, Puerto Rico, Guam, American Samoa, U.S. Virgin Islands and Northern Mariana Islands, 18+. Sponsor-related exclusions apply. Winner must satisfy identity, tax-reporting and prize-payment requirements.
GOOD LUCK, FREEBIE MOM FAM! 🍀
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Official rules · Checked Nov. 12, 2026.
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