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!

Why refinance with Splash?

We provide immediate cash benefits and lower interest rates

Save money

Low fixed rates. No application or origination fees. Can reduce loan payments by $3k to $6k each year in training.1

Defer payments in training

Maximum payment flexiblity. Pay $1 per month for up to 84 months while in training.2

Save time

One loan and one payment. No need to recertify your status in training every year.

Federal + Private

With Splash, you can consolidate and refinance both your federal and private loans - making life simpler.

Death & disability forgiveness3

Know that if something unforseen were to happen that your family won't be burdened with your loans.

Superior care

You're given a dedicated account manager to ensure that you are happy year in and year out.

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

5.29% - 5.44% APR

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.