Medical School Loan Refinance Refi for Doctors. Transparent Rates. No Maximums. No Co-Signer. In House Service. Apply Now Looking to refinance while in residency or fellowship? Click Here! Medical School Loan Refinance Transparent Rates. No Maximums. No Co-Signer. Apply Now Looking to refinance while in training? Click here! Are you a Physician-in-training? Get $100 monthly payments while in Residency or Fellowship! We know training can be unpredictable. Choose up to 3 years of reduced payments, with an option to extend for another 3 years.No loan maximumsNo CosignerNo Capitalized Interest Learn more Know Your Rates Before You Apply Four fixed annual percentage rates to choose from – no guessing, no bait and switch, no wasted time on a pre-application to find your rate. Terms: 5 Years 7 Years 10 Years 15 Years Fixed APR With Autopay Discount 4.75%5.50%5.75%5.99% Laurel Road Fixed APR With Autopay Discount 3.99% – 5.65%5.35% – 5.90%5.55% – 6.10%5.75% – 6.40% Competitors rates accurate as of 8/9/2022 and represent fixed APR’s based on the lowest and highest advertise interest rate ranges. Fixed APR With Autopay Discount 5 Years: 4.75%7 Years: 5.50%10 Years: 5.75%15 Years: 5.99% Laurel Road Fixed APR With Autopay Discount 5 Years: 3.99% – 5.65%7 Years: 5.35% – 5.90%10 years: 5.55% – 6.10%15 Years: 5.75% – 6.40% Competitors rates accurate as of 8/9/2022 and represent fixed APR’s based on the lowest and highest advertise interest rate ranges. Calculate your monthly payments Is refinancing student debt right for me? Obtain your payoff statement Med School Loan Refinancing is Better with Panacea See how Panacea medical and podiatry student loan refinancing compares to the competition. Know Your Rate Now Forget “finding your rate” – with Panacea you know exactly what your rate is before you apply. One Bank, No Handoff Our loans are serviced entirely in house – simplify your life with one bank, built for doctors. Refinance for Doctors Specifically crafted for student loan debt incurred to become a doctor. The Panacea Difference Transparent Rates NoMaximum In-House Servicing 24/7 Concierge Desk Primary Care Banker The "Other Guys" (SoFi, Laurel Road, Commonbond) Must ApplyFor Rates Hidden Maximum Outsourced Servicing Limited Bankers Hours No Personal Service ThePanaceaDifference TransparentRates NoMaximum In-HouseServicing 24/7Concierge Desk Primary Care Banker TheirTraditionalApproach Must Applyfor Rates HiddenMaximum OutsourcedServicing LimitedBankers Hours No PersonalService Medical Student Loan Refinance Features Why choose Panacea? No cosigner - you’re a grown up, be treated like one No maximum - seriously, none No fees - nada, zilch No selling your loan - we’re with you the whole way Soft credit check - application does not affect your credit score View details and requirements3 Apply Now Loan Term Options 5 Year 7 Year 10 Year 15 Year 5 Year 4.75% Fixed APR1 7 Year 5.50% Fixed APR1 10 Year 5.75% Fixed APR1 15 Year 5.99% Fixed APR1 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! This calculator will help you determine your monthly payments based off your principal and term chosen. 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 borrowers before refinancing student loans. Contact Us to Explore Your Loan Repayment Options FAQs 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. Does Panacea Financial refinance podiatry school loans? Yes! Panacea is proud to offer podiatrists our full suite of banking services, including student loan refinance. Do you service your own loans? Yes! We believe in being there for you through your career, and won't sell your loan. You will be able to contact your Primary Care Banker for all your servicing needs. See all FAQs Learn More About Medical or Podiatry School Refinancing Explore our collection of advice and tools to help physicians better position themselves for career and financial success. A Letter from Our Founders November 10, 2020 Follow This Three-Step Process to Obtain Your Loan Payoff Statement January 8, 2021 What Doctors Need to Know About Credit Scores February 5, 2021 A Letter from Our Founders November 10, 2020 Why Should I Purchase Disability or Life Insurance as a Medical Student, Resident/Fellow or Physician? March 4, 2021 As a Doctor, Should I Refinance My Student Loans? January 4, 2021 See all blog posts Here’s to better financial solutions for Physicians. Get Started Today Disclosures / 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 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.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. Student Loan Refinance payment schedule examples: 5 year fixed rate, $250,000 at 4.75% APR is $4,689.23 per month; 7 year fixed rate, $250,000 at 5.50% APR is $3,592.51 per month; 10 year fixed rate, $250,000 at 5.75% APR is $2,744.23 per month; 15 year fixed rate, $250,000 at 5.99% APR is $2,108.29 per month.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.4. Calculator is for informational purposes only, actual payments may differ slightly based on when the loan is closed and when first payment date is scheduled. Refer to loan documents for exact payment.