Veterinary School Loan Refinance

Transparent Rates. No Maximums. No Cosigner.

Veterinary School Loan Refinance

Transparent Rates. No Maximums. No Cosigner.

They were very accommodating of my odd hours as a physician and my schedule. I would highly recommend Panacea Financial.

“The easiest and most transparent loan application I have ever done. They understand Doctors’ specific needs and circumstances.”

“Got my loan approved in 3 business days which is amazing. Amazing work and I recommend Panacea for every physician!”

“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.”

“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.”

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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 & 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

5 Year

7 Year

10 Year

15 Year

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.

FAQs

Why refinance your loan from vet school?

Refinancing your loans may make sense if you have private student loans, are not eligible for federal forgiveness programs (like PSLF) or are looking to reduce the cost of your loan.

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.

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.

Do I need a cosigner?

No! At Panacea we will never ask for a cosigner because we trust you as a doctor.

Learn More About Vet School Refinancing

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

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

As a Doctor, Should I Refinance My Student Loans?

January 17, 2023

Why Monthly Budgeting is Critical for Doctors in Training

July 28, 2022

Here’s to better financial solutions for veterinarians.

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© 2023 Panacea Financial, a Division of Primis. Member FDIC. All Rights Reserved

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 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.

Student Loan Refinance payment schedule examples: 5 year fixed rate, $250,000 at 6.50% APR is $4,891.54 per month; 7 year fixed rate, $250,000 at 7.25% APR is $3,803.80 per month; 10 year fixed rate, $250,000 at 7.50% APR is $2,967.54 per month; 15 year fixed rate, $250,000 at 7.75% APR is $2,353.19 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.