Don’t let student debt be a burden.

Pay $1 per month2b for up to 84 months. Fixed rates as low as 3.25% APR3.

Instant rate check does not impact credit score

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.2a

Defer payments in training

Maximum payment flexibility. Pay $1 per month2b for up to 84 months while in training.

Save time

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

Fixed Rate

Rates ranging from 3.25% APR – 6.69% APR (depending on credit and loan term) 2

Loan Term

3 years to 20 years. This loan term includes your eligible training period.

Lower rates and savings start here.

Save on your student loans by lowering your interest rate. No prepayment penalties and no hidden fees. Transparent savings calculator built into the process to help you pick your loan.

Use our powerful calculator

We've built a free loan assessment tool that enables you to build a student loan repayment plan, whether that's with Splash, the government, or public service loan forgiveness.
over life of the loan
now vs. later
cost of loan


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

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!