Medical, Dental and Veterinary School Loan Refinancing

I could not qualify for loans due to my debt to income ratio with my student loans. Panacea was able to look past that and approved my loan. The entire process was seamless, quick, and transparent. I would recommend their services to anyone!

This organization is not predatory and works hard to support Physician interests. One of the co-founders personally reached out on Holiday weekend! Really tough to find that kind of sincerity in business these days.

The entire loan process was streamlined and hassle free with excellent personal banker support. Only wished I learned about this earlier!

I could not qualify for loans due to my debt to income ratio with my student loans. Panacea was able to look past that and approved my loan. I would recommend their services to anyone!

How to Refinance Your Medical, Dental and Veterinary School Loans

Refinancing your student loans from medical, dental and veterinary school is an important step in taking control of your finances. For many, this is their largest debt early in their career. If you’re not eligible for a forgiveness program, check out our refinance products designed for every stage of your career: through training and into full practice.

What are the next steps?

Whatever you need, Panacea Financial helps you get loans fast.

Here’s to better financial solutions for physicians, dentists and veterinarians.

Disclosures / Fine Print

If you are looking to refinance federally held student loans please be aware of recent legislative changes that have suspended payments and waived interest on such loans until the end of August 2022 due to COVID-19. Please carefully consider these changes before refinancing federally held loans with Panacea Financial as in doing so you will no longer qualify for these changes or other future benefits applicable to federally held loans.

Time of reduced payments at $100 selected at time of loan orgination, up to three years. Borrowers can refinance for a further three years, maintaining $100 payments for a total of six years.

Doctor–In-Training Loan Refinance payment schedule examples:

7 year Reduced Payment Options:

7 year (84 months) fixed rate, $250,000 at 4.25% (4.23% APR): Months 1 -12 @ $100.00 per month, Months 13-84 @ $4,088.04 per month;

7 year (84 months) fixed rate, $250,000 at 4.25% (4.17% APR): Months 1 -24 @ $100.00 per month, Months 25-84 @ $4,979.12 per month;

7 year (84 months) fixed rate, $250,000 at 4.25% (4.10% APR): Months 1 -36 @ $100.00 per month, Months 37-84 @ $6,308.50 per month;

10 year Reduced Payment Options:

10 year (120 months) fixed rate, $250,000 at 4.75% (4.72% APR): Months 1 -12 @ $100.00 per month, Months 13-120 @ $2,970.07 per month;

10 year (120 months) fixed rate, $250,000 at 4.75% (4.66% APR): Months 1 -24 @ $100.00 per month, Months 25-120 @ $3,398.70 per month;

10 year (120 months) fixed rate, $250,000 at 4.75% (4.58% APR): Months 1 -36 @ $100.00 per month, Months 37-120 @ $3,943.64 per month;

15 year Reduced Payment Options:

15 year (180 months) fixed rate, $250,000 at 4.95% (4.93% APR): Months 1 -12 @ $100.00 per month, Months 13-180 @ $2,156.70 per month;

15 year (180 months) fixed rate, $250,000 at 4.95% (4.87% APR): Months 1 -24 @ $100.00 per month, Months 25-180 @ $2,364.65 per month;

15 year (180 months) fixed rate, $250,000 at 4.95% (4.79% APR): Months 1 -36 @ $100.00 per month, Months 37-180 @ $2,602.20 per month;

All associated discounts applied to Panacea and competitor rates and terms. All Panacea APRs assume a 0.50% discount to auto-pay from a Panacea Checking account. We offer a 0.25% discount to auto-pay from a non-Panacea checking account.