MEDICAL SCHOOL
Loan Refinance

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
Medical 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 Physicians
Specifically crafted for student loan debt incurred to become a medical professional.
No hard credit check required.
Not sure where to start? Speak with a banker about your financial needs. >

Medical School Loan Refinance Calculator
Quickly calculate your monthly medical 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.
No hard credit check required.

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.
FAQs
Does Panacea Financial refinance podiatry school loans?
Yes! Panacea is proud to offer podiatrists our full suite of banking services, including student loan refinance.
Why refinance your loan from medical or podiatry school?
Refinancing your loans from medical or podiatry school may make sense if you have private student loans, are not eligible for federal forgiveness programs (like PSLF).
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. This can be used for medical school, podiatry school, undergraduate, and graduate school loans!
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.
Resources

Federal Student Loan Updates: Key Changes Impacting Doctors in 2025
Latest update made on April 14, 2025 The federal student loan landscape is undergoing significant transformations in 2025 with changes and proposals that directly affect...

Should I Pay Off Student Loans Early? Tips For Doctors
The burden of student loan debt can feel persistent and the appeal to financial freedom more tempting than ever – especially when factoring in the...

Can You Pay Student Loans with a Credit Card?
Student loans are often inevitable, especially for physicians, dentists, and veterinarians who often take on a considerable amount of debt in order to get through...