Medical school loans
MED SCHOOL was STRESSFUL. REFINANCING SHOULDN’T BE.
Refinance your medical school loans with us. You could pay just $100 a month during training and for six months afterward3.
With great rates available to borrowers around the country
No application fees, no origination fees, no prepayment penalties
HOW MUCH COULD YOU SAVE?
If you qualify, refinancing could save you thousands over the life of your loan2. (Just remember these savings if we ever go under the knife.)
Great rates
Because you deserve rates that work as hard as you do.
Easy application process
Our automated process guides you every step of the way.
Zero fees
No application fees, no origination fees and no pre-payment penalties.
We won't sell your data
Your sensitive information stays between us.
IT'S lITERALLY This Easy
Check your rate
Answer some questions. If you qualify, you’ll browse refinancing offers across our network of lenders.
Choose your loan
Select an offer, then apply. We’ll guide you every step of the way.
Get refinanced
If approved, we will refinance your existing medical student loans, then bring you a new one on your terms. Easy!
Ready to get started?
Medical School Student Loans FAQ
Yes. Parent Plus loans qualify for med school loan refinancing.
Some of Splash Financial’s lending partners do offer an autopay discount on refinanced medical school loans. However, this rate discount differs between individual lenders.
If you choose a lender offering autopay discounts, you may be able to sign up for automatic payments after accepting your refinance offer.
While each of our lenders have their own loan amount requirements, most of our lenders have a minimum loan amount of $5,000 and no set maximum.
If you have any federal student loans, you may be eligible for certain student loan forgiveness programs. As a healthcare professional and U.S. citizen, you could potentially meet the eligibility requirements for the Public Service Loan Forgiveness (PSLF) Program.
This program was made to help healthcare and nonprofit workers manage their student loan debt. If you qualify, the government can forgive your federal loans after making 120 or more qualifying payments, no matter what your total loan balance is.
Additionally, you may qualify for income-based repayment as a medical resident or attending physician.
This depends on the type of loans you have. If you took out any federal student loans, you may qualify for certain student loan forgiveness programs as a doctor. However, because only federal loans qualify for these programs, you may not be able to take advantage of them if you refinance too early.
However, if you have private student loans, you can explore your student loan refinance options as soon as you start your residency or fellowship program. Refinancing your loans early could help you shorten your loan term and/or potentially lower your monthly payment. Learn more about the benefits of refinancing your medical school loans during residency.
No. Medical student refinance loans are available only to borrowers who are currently in a residency or fellowship program.
Yes, Splash offers medical and dental residents the ability to refinance student debt and pay only $100 per month while they are in residency and up to 6 months after their residency and fellowships. Total loan term including residency, fellowship and 6-month grace period must not exceed 20 years. The deferment period for residency, fellowship, and grace period must be approved and disclosed at the time of application – you will not be able to extend the term of the loan after it is disbursed.3