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!
How it works
Our loans are tailored to the needs of medical residents and fellows
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.
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
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.