Dental Student Loan Refinance

Finally, refinance designed for dentist — transparent rates, no maximums, no cosigner, and we won’t sell your loan.

Veterinary School Loan Refinance

Transparent Rates. No Maximums. No Co-Signer.

Veterinary School Loan Refinance

Transparent Rates. No Maximums. No Co-Signer.

Know Your Rates Before You Apply

Four fixed rates to choose from – no guessing, no bait and switch, no wasted time on a pre-application to find your rate.
This a graphic comparing Panacea to its competitors.
Competitors rates accurate as of 4/1/2022 and represent fixed APR's based on the lowest and highest advertise interest rate ranges.
Refi Rates Veterinary School
Competitors rates accurate as of 4/1/2022 and represent fixed APR's based on the lowest and highest advertise interest rate ranges.

Refinancing is Better with Panacea

See how Panacea veterinary school 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.

No Maximums and No Cosigner

You deserve our best offer simply because of who you are without any need for a cosigner or loan maximum.

Refinance for Veterinarians

Specifically crafted for student loan debt incurred to become a veterinary professional.

The Panacea Difference

Transparent Rates
No
Maximum
In-House Servicing
24/7 Concierge Desk
Primary Care Banker

The "Other Guys"

(SoFi, Laurel Road, Commonbond)
Must Apply
For Rates
Hidden Maximum
Outsourced Servicing
Limited Bankers Hours
No Personal Service

The
Panacea
Difference

Transparent
Rates
No
Maximum
In-House
Servicing
24/7
Concierge Desk
Primary Care
Banker

Their
Traditional
Approach

Must Apply
for Rates
Hidden
Maximum
Outsourced
Servicing
Limited
Bankers Hours
No Personal
Service

Veterinary Student Loan Refinance

Loan Term Options

Example scenarios

Veterinary School Loan Refinance Calculator

Quickly calculate your monthly veterinary 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!

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

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 3.75% APR is $4,576.68 per month; 7 year fixed rate, $250,000 at 4.25% APR is $3,446.75 per month; 10 year fixed rate, $250,000 at 4.50% APR is $2,591.61 per month; 15 year fixed rate, $250,000 at 4.75% APR is $1,945.23 per month.

2. Adverse Credit Event: 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 Veterinary School 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.

Here’s to better financial solutions for Veterinarians

Product Details & Requirements

Example Scenario:
Veterinary School Loan Refinance

The following example is a veterinarian with federal student loans in the standard repayment plan and assumes $250,000 principal amount, a 7.20% interest rate, and a 20-yr amortization.

Dr. Patel recently completed veterinary school and has a goal to pay off her student loans as quickly as possible by continuing to live frugally and putting the extra income towards a new 5-year loan with a 3.75% fixed APR.

Note: The veterinarian in this example was not part of an Income Driven Repayment or a forgiveness plan and understood the potential benefits of staying in the federal system but were interested in taking out a private loan to refinance their federal debt. 

Example Scenarios:
Veterinary School Loan Refinance

The following example is a veterinarian with federal student loans in the standard repayment plan and assumes $250,000 principal amount, a 7.20% interest rate, and a 20-yr amortization.

Dr. Jones recently completed his veterinary program and wants to pay off his loans quickly while continuing to live on a veterinary resident’s budget. He puts extra income towards a new 7-year loan with a 4.25% fixed APR.

Note: The veterinarian in this example was not part of an Income Driven Repayment or a forgiveness plan and understood the potential benefits of staying in the federal system but were interested in taking out a private loan to refinance their federal debt.

Example Scenarios:
Veterinary School Loan Refinance

The following example is a veterinarian with federal student loans in the standard repayment plan and assumes $250,000 principal amount, a 7.20% interest rate, and a 20-yr amortization.

Dr. Lewis is a general veterinarian who wants to lower the interest rate on her student loans and pay less over the life of the loan. She decides to refinance a new 10-year loan with a 4.50% fixed APR.

Note: The veterinarian in this example was not part of an Income Driven Repayment or a forgiveness plan and understood the potential benefits of staying in the federal system but were interested in taking out a private loan to refinance their federal debt. 

Example Scenarios:
Veterinary School Loan Refinance

The following example is a prosthodontist with federal student loans in the standard repayment plan and assumes $250,000 principal amount, a 7.20% interest rate, and a 20-yr amortization.

Dr. Williams completed her training program a few years ago and desired to keep her monthly payments towards her student loans the same, while also lowering the total cost of the loan. She decided to refinance her student debt into a lower interest rate with a new 15 year loan at a 4.75% fixed APR.

Note: The veterinarian in this example was not part of an Income Driven Repayment or a forgiveness plan and understood the potential benefits of staying in the federal system but were interested in taking out a private loan to refinance their federal debt.