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
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
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
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.
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
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.