Medical Student Loan Refinance - Coming Soon
Finally, refinance designed for doctors — transparent rates, no maximums, no cosigner, and we won’t sell your loan.
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.


Refinancing is Better with Panacea
See how Panacea medical school loan refinancing compares to the competition.
Refinance for Doctors
Specifically crafted for student loan debt incurred to become a physician. Available to attendings now, residents/fellows in Spring 2021.
One Bank, No Handoff
Our loans are serviced entirely in house – simplify your life with one bank, built for doctors.
Know Your Rate Now
Forget “finding your rate” – with Panacea you know exactly what your rate is before you apply.
The Panacea Difference
Transparent Rates
No
Maximum
Maximum
In-House Servicing
24/7 Concierge Desk
Primary Care
Banker
The "Other Guys"
(SoFi, Laurel Road, Commonbond)
Must Apply
For Rates
For Rates
Hidden Maximum
Outsourced Servicing
Limited Bankers Hours
No Personal Service
The
Panacea
Difference
Transparent
Rates
Rates
No
Maximum
Maximum
In-House
Servicing
Servicing
24/7
Concierge Desk
Concierge Desk
Primary Care
Banker
Banker
Their
Traditional
Approach
Must Apply
for Rates
for Rates
Hidden
Maximum
Maximum
Outsourced
Servicing
Servicing
Limited
Bankers Hours
Bankers Hours
No Personal
Service
Service
Medical 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
- 24/7 customer service - we work doctor’s hours
- Soft credit check - application does not affect your credit score
- Attending refinance today - resident/fellow finance coming in 2021
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!
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 January 2021 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. Medical Student Loan Refinance payment schedule examples: 5 year fixed rate, $300,000 at 3.25% APR is $5424.00 per month; 7 year fixed rate, $300,000 at 4.00% APR is $4,100.64 per month; 10 year fixed rate, $300,000 at 4.50% APR is $3,109.15 per month; 15 year fixed rate, $300,000 at 5.25% APR is $2,411.63 per month.
- 2. Adverse Credit Event: accounts with a total outstanding balance greater than $2,085 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.
- 3. See the Medical School Refinance Application Disclosure for product information, rates, fees and other important product information.