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STUDENT LOAN

Consultation For Doctors

Managing student debt is important but can be confusing. Get expert guidance on your student debt tailored to your needs.

Schedule A Consultation Today!

A Certified Student Loan Professional can help you understand:​

Income-Driven
Repayment

Explore your IDR options based on your needs.

Public Service
Loan Forgiveness

Qualify and maintain eligibility for PSLF.

Refinancing
Options

Understand how refinancing could save you money.

Student Loan
Changes

Stay up-to-date on how recent changes will affect you.

Creating A Plan For Your Student Debt

We know first-hand that doctors take on a lot of student debt to train. Understanding the options to manage your student loans is pivotal. Meet with a Certified Student Loan Professional to help you create a plan and address things like income-driven repayment, Public Service Loan Forgiveness, refinancing and student loan policy updates.

We know first-hand that doctors take on a lot of student debt to train. Understanding the options to manage your student loans is pivotal.

Meet with a Certified Student Loan Professional to help you create a plan and address things like income-driven repayment, Public Service Loan Forgiveness, refinancing and student loan policy updates.

$200 Flat Fee

Competitor average student loan consulting service range from $400-$595

Discuss financials, career path, values, and immediate concerns
Understand eligibility for IDR and PSLF programs
Determine best options to manage your loans
Receive customized student loan plan
Get answers to all your student loan questions
Keep in contact with your consultant with follow-up questions
  • Discuss financials, career path, values, and immediate concerns
  • Understand eligibility for IDR and PSLF programs
  • Determine best options to manage your loans
  • Receive customized student loan plan
  • Get answers to all your student loan questions
  • Keep in contact with your consultant with follow-up questions
Schedule A Consultation

Three Simple Steps To Getting Your Student Debt On Track

Schedule Your Consultation

Upload your student loan documents to our secure online portal and schedule a time to meet.

Speak With An Expert

Talk with a certified advisor to understand your repayment options, including PSLF, IDR, and refinancing.

Follow Your Plan

Use your personalized repayment plan to manage your student loan balance.

FAQs

What can I expect to learn during a student loan consultation?

During a student loan consultation, a Certified Student Loan Professional will help you understand repayment options, loan consolidation/refinancing and loan forgiveness/discharge programs, while developing a personalized repayment plan.

What information do I need to provide prior to my consultation?

You will need basic information such as your loan type (federal or private). If you have federal loans, we will walk you through how you can access your federal student loan information that will be needed for the consultation.

What is Public Service Loan Forgiveness (PSLF), and who is eligible?

The Public Service Loan Forgiveness program forgives a borrower’s remaining balance on Direct Loans after making 120 qualifying monthly payments while working full time for a qualifying employer.

To be eligible for PSLF, you must:

  • be employed full time by a U.S. federal, state, local, or tribal government or not-for-profit organization (federal service includes U.S. military service)
  • have Direct Loans (or consolidate other federal student loans into a Direct Loan)
  • repay your loans under an income-driven repayment plan
  • make 120 qualifying payments (does not have to be consecutive)
What is Income-Driven Repayment (IDR)?

Income-driven repayment is a federal student loan repayment program that sets your monthly student loan payment at an amount that is intended to be affordable based on your income and family size.

Learn How To Manage Your Debt

Schedule Your Student Loan Consultation

Articles & Resources

Explore our collection of advice and tools to help doctors better position themselves for career and financial success.
student loan debt, medical school, dental school, veterinary school

You’re Not Alone: Many Doctors Need Help Navigating Student Loan Debt

See All Blog Posts
See All Blog Posts

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Panacea Financial Holdings partners with Primis Bank, Member FDIC, to deliver banking services through its Panacea Financial Division.

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External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by Panacea Financial. Links are provided for informational purposes and should not be viewed as an endorsement
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 of the COVID-19 related payment pause. 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. To obtain a new loan with Panacea Financial, you must also have a Panacea checking account; there is no fee to open the account, a minimum deposit of $25 required, and there is no minimum balance. Other fees and charges may apply, see this link for full terms and conditions.

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.

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