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

MEDICAL SCHOOL
Loan Refinance

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

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.

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.

Real Results

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

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

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...

This is a doctor holding a credit card and using a calculator.

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...

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