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
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.
Refinancing is Better with Panacea
See how Panacea veterinary school loan refinancing compares to the competition.
Know Your Rate Now
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
Maximum
The "Other Guys"
For Rates
The
Panacea
Difference
Rates
Maximum
Servicing
Concierge Desk
Banker
Their
Traditional
Approach
for Rates
Maximum
Servicing
Bankers Hours
Service
Veterinary Student Loan Refinance
- 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
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
- 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.
- Yes we do! If you are looking to refinance, we can also consolidate multiple loans from across your education.
- You can set your repayment start date during the loan closing process to make it more convenient on your monthly budget!
- No - After refinancing you will lose access to federal student loan benefits like forgiveness programs. Please check studentaid.gov/pslf for your eligibility.
- No! At Panacea we will never ask for a co-signer because we trust you as a doctor.
- 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.
Learn More About Vet School Refinancing
Explore our collection of advice and tools to help veterinarians better position themselves for career and financial success.
- November 10, 2020
- February 5, 2021
- November 10, 2020
- January 4, 2021
Here’s to better financial solutions for Veterinarians
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 December 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.
