Resident Refinancing

Refinance your student loans as soon as you're matched to a residency program and pay only $100 per month all through residency or fellowship.

Refinance in 3 easy steps

Apply Now
  • 1

    Instant Rates

    Discover your rate options instantly after filling out a short online form - no credit pull required.

  • 2

    Upload Documents

    Easily upload a few documents to verify your identity and desired loan.

  • 3

    Acceptance & Approval

    Once approved, we'll send your final rates, terms and applicable disclosures. Accept the terms and e-sign a promissory note - all online.

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Low monthly payments during training

Pay only $100 per month throughout your residency or fellowship. You can even continue these low payments for up to 6 months after training. Once you are an attending physician, you'll begin a standard repayment term.

You Deserve Lower Rates

Term
Variable
Fixed
  • 7 year
  • 10 year
  • 15 year
  • 20 year
  • 4.38%—5.62%
  • 4.73%—5.82%
  • 4.98%—6.17%
  • 5.28%—6.42%
  • 5.10%—6.49%
  • 5.15%—6.75%
  • 5.50%—6.99%
  • 5.85%—6.99%
Term
  • 7 year
  • 10 year
  • 15 year
  • 20 year
Variable
  • 4.38%—5.62%
  • 4.73%—5.82%
  • 4.98%—6.17%
  • 5.28%—6.42%
Fixed
  • 5.10%—6.49%
  • 5.15%—6.75%
  • 5.50%—6.99%
  • 5.85%—6.99%
Check Your Rates

Eligibility and rates offered will depend on your credit profile, total monthly debt payments, and income projections post training. Please note, residents or fellows with signed contracts to practice may qualify for our standard rate offerings found here.

Residents who request a reduced payment period before entering full repayment will receive an interest rate based on the entire term of their loan, including the reduced payment period. For example, if someone applies for a 5 year loan, with a 3 year reduced payment period, they will receive a rate offer within the 10 year range above.

Rates in the above table include a 0.25% discount for making automated payments from a bank account. Read important additional information below.