Student Loan Refinance for Physicians, Dentists and Veterinarians

Student Loan Refinance for Physicians, Dentists and Veterinarians

Finally, refinancing designed for you. No maximums, no cosigner needed. And no charging you a higher rate because of your debt levels.

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What Healthcare Professionals Are Saying About Panacea

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.

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.