Panacea Financial, a division of Primis Bank, deposit products:
FDIC-Insured – Backed by the full faith and credit of the U.S. Government

DENTAL SCHOOL
Loan Refinance

See how Panacea dental school loan refinancing compares to the competition.

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No hard credit check required.

The Panacea Difference

Fixed
Rates

No
Maximums

No
Cosigners

In-House
Servicing

24/7 Concierge
Desk

Primary Care
Banker

The “Other Guys” (SoFi, Laurel Road, Commonbond)

Hidden
Maximums

Cosigners
Required

Outsourced
Servicing

Limited
Banker Hours

No Personal
Service

Dental School Loan Refinance Features

Fixed Rates
Rates as low as 5.49%.1

No Maximums & No Cosigner
You deserve our best offer simply because of who you are without any need for a cosigner or loan maximum.

Refinance For Dentists
Specifically crafted for student loan debt incurred to become a dental professional.

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No hard credit check required.
Not sure where to start? Speak with a banker about your financial needs. >

Dental School Loan Refinance Calculator

Quickly calculate your monthly dental school loan payment amount by entering your loan amount and selecting a refinance term and rate. Then compare that to your current loan payments and timeline to see how Panacea can help!



See that Panacea’s rates do not change with anything but term – what you see is what you get!



Visit studentaid.gov to find out benefits and repayment options available to federal student loan borrowers before refinancing.

Explore Your Loan Repayment Options

No hard credit check required.

Real Results

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Have questions about student loans?

Review our guide for a deeper dive into everything you need to know about your student loan options as a doctor.

Check Out The Guide

FAQs

Why refinance your loan from dental school?

Refinancing your loans may make sense if you have private student loans, are not eligible for federal forgiveness programs (like PSLF) or are looking to reduce the cost of your loan.

Does Panacea refinance federal and private student loans?

Yes we do! If you are looking to refinance, we can also consolidate multiple loans from across your education.

When does my repayment start?

You can set your repayment start date during the loan closing process to make it more convenient on your monthly budget!

Can you use federal benefits after refinancing with Panacea?

No - After refinancing you will lose access to federal student loan benefits like forgiveness programs. Please check studentaid.gov/pslf for your eligibility.

Do I need a cosigner?

No! At Panacea we will never ask for a cosigner because we trust you as a doctor.

Do you service your own loans?

Yes! We believe in being there for you through your career. You will be able to contact your Primary Care Banker for all your servicing needs.

Resources

Federal Student Loan Updates: Key Changes Impacting Doctors in 2025

Federal Student Loan Updates: Key Changes Impacting Doctors in 2025

Latest update made on July 2, 2025 The federal student loan landscape is undergoing significant transformations in 2025 with changes and proposals that directly affect...

The world of student loans can be complex and overwhelming, leaving students, trainees and doctors with numerous questions. To shed light on this critical topic, we've compiled a list of frequently asked questions about student loans:

Understanding Student Loans: Frequently Asked Questions Answered

As the cost of medical, dental and veterinary school continues to rise, many prospective and current doctors find themselves burdened by significant student loan debt...

A question we get asked frequently is “Will my student loans prevent me from buying or opening my own medical, dental or veterinary practice?”

Do Student Loans Affect My Ability To Buy A Practice?

A question we get asked frequently is “Will my student loans prevent me from buying or opening my own medical, dental or veterinary practice?”  Doctors...

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Panacea Financial Holdings partners with Primis Bank, Member FDIC, to deliver banking services through its Panacea Financial Division.

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External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by Panacea Financial. Links are provided for informational purposes and should not be viewed as an endorsement
Fine Print

1. The APR and origination fee on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate and origination fee depends on credit score, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. We offer a 0.50% discount with auto-pay from a Panacea checking account and a 0.25% discount with auto-pay from a non-Panacea checking account. To check the rates and terms you qualify for, click “Get Started” and Panacea will conduct a soft credit pull to determine your possible rate and will not affect your credit score. Not all applicants qualify for the lowest rate or maximum loan amount; subject to credit approval.

2. Adverse Credit Event: two or more payments more than 30 days late, totaling more than $500, within the prior 6 months; accounts with a total outstanding balance greater than $1,000 that are 90 or more days delinquent as of the date of the credit report, or that have been placed in collection or charged off during the two years preceding the date of the credit report; default determination during the five years preceding the date of the credit report; bankruptcy discharge during the five years preceding the date of the credit report; repossession during the five years preceding the date of the credit report; foreclosure during the five years preceding the date of the credit report; charge-off/write-off of a federal student aid debt during the five years preceding the date of the credit report; wage garnishment during the five years preceding the date of the credit report; tax lien during the five years preceding the date of the credit report; consumer credit counseling within five years preceding the date of the credit report.

3. See the Refinance Disclosure for product information, rates, fees and other important product information.

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