Resident and fellow refinancing

Free up $3k-$6k in your budget1 each year during training when you refinance your student loans and pay only $1 per month2 while in training

Imagine what you could do with an extra $3k-$6k each year while in training1

Pay off high interest rate credit card debt

Build up your savings account

Spend more time dining out with friends

Have the funds to take that much needed vacation

Getting started is easy


Determine Eligibility

Before you start the application, we ask a few questions to make sure the loan is right for you.


Complete Loan Application

Here you enter more detailed information and upload your supporting loan documents.


Save Money, Simplify Life!

Once your application is approved and you accept the new loan, we pay off your old loans and you're refinanced!

How it works

Our loans are tailored to the needs of medical residents and fellows

Pay $1/month2

While you're in training. More room in your monthly budget means more flexibility and more financial freedom.

Lower your rate

Consolidate your loans, lower both your interest rate and your monthly payment - save thousands over the life of the loan.

Simplify your life

Life during training is stressful enough! Let's help simplify it by refinancing your federal and private loans into one new loan with one monthly payment.

Superior care

Our customer experience team is dedicated to you. We are here to help and make the process easy for you.

Start saving with a lower rate

Loan Repayment Term

Add your residency/fellowship years (up to 7) to the term shown below

10 Years

Fixed APR

A fixed rate loan means that your rate will never go up

5.65% - 5.77% APR

The rates above include a 2.5% origination fee for residents/fellows and a 2% origination fee for doctors. This is not paid out of pocket, but is added to your loan.

Applicants can pay $1 per month2 during their residency and fellowship training periods. The maximum amount of time they can pay $1 per month2 is 84 months. This training period is added onto your loan repayment term to provide your final loan term. As an example, if a borrower has 60 months remaining in their residency / fellowship period and they select a 10 year (120 month) loan term, their total loan term will be 180 months or 15 years. Rates in the above table include a 0.25% discount for making automated payments from a bank account. Please read important additional information in the disclaimers below.

“It was so easy to refinance my loans with Splash. I was paying hundreds of dollars per month on a resident’s salary and now my loan payment is only $1 per month. It’s just nice having all my loans in one place now.”

Kirt M., Urology, PGY3

“Not only did refinancing with Splash save me money, but they saved me time. Before Splash, I had 12 loans with the government that were tough to manage. Now I only have 1 loan, and I know who to call to get answers”

Timmie S., Dermatology, PGY3

We're here to help

Making important financial decisions is easier when you have the right information. We'll crunch the numbers for you. Click below to start your loan assessment and find out how Splash can help you with your student loans.