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Dentist-In-Training Dental School Loan Refinance

$100 monthly payments while in training1

Apply Now
Are you a practicing dentist looking to refinance? Click here!

Dentist-In-Training Dental School Loan Refinance

$100 monthly payments while in training1

Apply Now
Are you a practicing dentist looking to refinance? Click here!

Refinance For Dental Trainees, Built By Doctors

No loan maximums – No cosigner – No capitalized interest

Refinance Built For Doctors, By Doctors

  • No cosigner
  • No loan maximums
  • No capitalized interest
  • $100 monthly payments while in training

Interested In Refinancing Your Student Loans While In Training?

Panacea Financial provides the best refinancing options for aspiring dental professionals. Here's why:

Save On Private Loans

Consolidate your private student loans into one easy payment.

$100 Monthly Payments During Residency Or Specialist Training

Reduce your payments while in training to help manage your expenses.

Flexible Rates & Terms

Choose a repayment term and pick a low fixed interest rate.

Is refinancing student debt right for me?
They were very accommodating of my odd hours as a physician and my schedule. I would highly recommend Panacea Financial.
Dr. E. in New YorkInternal Medicine
“The easiest and most transparent loan application I have ever done. They understand Doctors’ specific needs and circumstances.”
Dr. T. in WashingtonPediatrics
“Got my loan approved in 3 business days which is amazing. Amazing work and I recommend Panacea for every physician!”
Dr. M in OklahomaInternal Medicine
“Panacea has been so responsive and attentive to me as a MS4 and now as a resident. The process was extremely easy and I’ve recommended them to many of my classmates.”
Dr. J in NashvillePediatrics
“I learned about Panacea from a fellow med student and I have to say it was the best experience. Definitely the right way to go about getting financial help with moving for residency.”
Dr. R in MichiganFamily Medicine
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Dental School Loan Refinance For Dental Trainees

  • No cosigner - you’re a grown up, be treated like one
  • No maximum - seriously, none
  • No fees - nada, zilch
  • Soft credit check - application does not affect your credit score
View details and requirements2
Apply Now

Loan Term Options

How It Works

Review Requirements

No pre-application needed as we don't use your debt level or income level to determine the low rate you deserve.

Select Your Rate & Term

Compare the plans available to you with a choice of rates and terms.

Select How Long You Want $100 Payments

Choose up to 3 years of reduced payments, with options to extend if you continue your training.

Apply Now

FAQs For Dentists-In-Training

U.S. citizens or permanent residents who have graduated medical school, and have completed one year of post-graduate medical education.

Yes! We recognize many would like to lower their interest rates while in training which is why we offer $100 payments while in training.

We don’t require a cosigner for a dental school refinance loan because we know you are trustworthy and deserve to be treated like an adult. Traditional banks don’t understand that which is why they can ask for co-signers in order to offer their lowest rates.

When you refinance your dental school loans in training you get 3 years of $100/month payments that you can choose to refinance one additional time and get 3 more years of $100/month payments. Also note that your years in lowered payment count towards your total length of repayment term.

The competition takes interest that accrues during the “lower payment” month and then adds it back to your principal (ie capitalized interest) which causes you to pay interest now on a higher balance. We do NOT do that and that saves you money. At Panacea, the balance you have left over at the end of your $100/month period is simply spread out (or amortized) over the rest of your repayment period.

We are a doctor-founded company that personally knows how different our financial lives can be. That is why we made products equally as different which includes our dental school refinance loan that has no maximums, no co-signer requirement, and no capitalized interest.
See all FAQs

Learn More About Dental School Refinancing

Explore our collection of advice and tools to help dentists better position themselves for career and financial success.

See All Blog Posts

$100 Monthly Payments While In Training!

Whatever you need, Panacea Financial helps you get loans fast.
Here’s to better financial solutions for dentists-in-training.

Get Started Today

$100 Monthly Payments While In Training!1

Whatever you need, Panacea Financial helps you get loans fast. Here’s to better financial solutions for dentists-in-training.

Get Started Today
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    Ashland, VA 23005
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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 June 2023 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.

1. 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. Time of reduced payments at $100 selected at time of loan origination, up to three years. Borrowers can request extended period of reduced payments if their training continues. 

Doctor–In-Training Loan Refinance payment schedule examples:

7 year Reduced Payment Options:

7 year (84 months) fixed rate, $250,000 at 7.75% (7.65% APR): Months 1 -12 @ $100.00 per month, Months 13-84 @ $4,658.33 per month;

7 year (84 months) fixed rate, $250,000 at 7.75% (7.44% APR): Months 1 -24 @ $100.00 per month, Months 25-84 @ $5,744.85 per month;

7 year (84 months) fixed rate, $250,000 at 7.75% (7.18% APR): Months 1 -36 @ $100.00 per month, Months 37-84 @ $7,349.63 per month;

10 year Reduced Payment Options:

10 year (120 months) fixed rate, $250,000 at 8.00% (7.88% APR): Months 1 -12 @ $100.00 per month, Months 13-120 @ $3,487.65 per month;

10 year (120 months) fixed rate, $250,000 at 8.00% (7.67% APR): Months 1 -24 @ $100.00 per month, Months 25-120 @ $4,034.15 per month;

10 year (120 months) fixed rate, $250,000 at 8.00% (7.44% APR): Months 1 -36 @ $100.00 per month, Months 37-120 @ $4,718.18 per month;

15 year Reduced Payment Options:

15 year (180 months) fixed rate, $250,000 at 8.25% (8.12% APR): Months 1 -12 @ $100.00 per month, Months 13-180 @ $2,694.08 per month;

15 year (180 months) fixed rate, $250,000 at 8.25% (7.90% APR): Months 1 -24 @ $100.00 per month, Months 25-180 @ $2,981.64 per month;

15 year (180 months) fixed rate, $250,000 at 8.25% (7.66% APR): Months 1 -36 @ $100.00 per month, Months 37-180 @ $3301.72 per month;

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

3. 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.

Product Details & Requirements

  • Practicing dentists working full time in an accredited residency or graduate program
  • Active dental license in good standing
  • Refinance only available to loans from Title IV accredited schools
  • Loan fully amortized over term
  • No adverse credit event3
  • Minimum loan amount: $15,000; no maximum
  • Minimum credit score: 700
  • US citizen or permanent resident

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