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Dental School Loan Refinance

Refi For Dentists. Transparent Rates. No Maximums. No Cosigner.

Apply Now

Dental School Loan Refinance

Transparent Rates. No Maximums. No Cosigner.

Apply Now
They were very accommodating of my odd hours as a physician and my schedule. I would highly recommend Panacea Financial.
Dr. E. in New YorkInternal Medicine
“The easiest and most transparent loan application I have ever done. They understand Doctors’ specific needs and circumstances.”
Dr. T. in WashingtonPediatrics
“Got my loan approved in 3 business days which is amazing. Amazing work and I recommend Panacea for every physician!”
Dr. M in OklahomaInternal Medicine
“Panacea has been so responsive and attentive to me as a MS4 and now as a resident. The process was extremely easy and I’ve recommended them to many of my classmates.”
Dr. J in NashvillePediatrics
“I learned about Panacea from a fellow med student and I have to say it was the best experience. Definitely the right way to go about getting financial help with moving for residency.”
Dr. R in MichiganFamily Medicine
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Dental School Loan Refinancing Is Better With Panacea

See how Panacea dental school loan refinancing compares to the competition.

Know Your Rate Now

Forget “finding your rate” – with Panacea you know exactly what your rate is before you apply.

No Maximums & No Cosigner

You deserve our best offer simply because of who you are without any need for a cosigner or loan maximum.

Refinance For Dentists

Specifically crafted for student loan debt incurred to become a dental professional.

The Panacea Difference

Transparent Rates
No
Maximum
In-House Servicing
24/7 Concierge Desk
Primary Care Banker

The "Other Guys"

(SoFi, Laurel Road, Commonbond)
Must Apply
For Rates
Hidden Maximum
Outsourced Servicing
Limited Bankers Hours
No Personal Service

The
Panacea
Difference

Transparent
Rates
No
Maximum
In-House
Servicing
24/7
Concierge Desk
Primary Care
Banker

Their
Traditional
Approach

Must Apply
for Rates
Hidden
Maximum
Outsourced
Servicing
Limited
Bankers Hours
No Personal
Service

Dental Student Loan Refinance Features

Why Chose Panacea?

  • No cosigner - you’re a grown up, be treated like one
  • No maximum - seriously, none
  • No fees - nada, zilch
  • Soft credit check - application does not affect your credit score
View details and requirements3
Apply Now

Loan Term Options

Dental School Loan Refinance Calculator

Quickly calculate your monthly dental school loan payment amount by entering your loan amount and selecting a refinance term and rate. Then compare that to your current loan payments and timeline to see how Panacea can help!

See that Panacea’s rates do not change with anything but term – what you see is what you get!

Visit studentaid.gov to find out benefits and repayment options available to federal student loan borrowers before refinancing.
Contact Us To Explore Your Loan Repayment Options

FAQs

  • Refinancing your loans may make sense if you have private student loans, are not eligible for federal forgiveness programs (like PSLF) or are looking to reduce the cost of your loan.
  • Yes we do! If you are looking to refinance, we can also consolidate multiple loans from across your education.
  • You can set your repayment start date during the loan closing process to make it more convenient on your monthly budget! 
  • No - After refinancing you will lose access to federal student loan benefits like forgiveness programs. Please check studentaid.gov/pslf for your eligibility.
  • No! At Panacea we will never ask for a cosigner because we trust you as a doctor.
  • Yes! We believe in being there for you through your career. You will be able to contact your Primary Care Banker for all your servicing needs.
See All FAQs

Learn More About Dental School Refinancing

Explore our collection of advice and tools to help dentists better position themselves for career and financial success.

See All Blog Posts

Here’s to better financial solutions for dentists and dental specialists.

Get Started Today
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    Ashland, VA 23005
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Fine Print

If you are looking to refinance federally held student loans please be aware of recent legislative changes that have suspended payments and waived interest on such loans until the end of June 2023 due to COVID-19. Please carefully consider these changes before refinancing federally held loans with Panacea Financial as in doing so you will no longer qualify for these changes or other future benefits applicable to federally held loans.

1.All associated discounts applied to Panacea and competitor rates and terms. All Panacea APRs assume a 0.50% discount to auto-pay from a Panacea Checking account. We offer a 0.25% discount to auto-pay from a non-Panacea checking account.

Student Loan Refinance payment schedule examples: 5 year fixed rate, $250,000 at 6.50% APR is $4,891.54 per month; 7 year fixed rate, $250,000 at 7.25% APR is $3,803.80 per month; 10 year fixed rate, $250,000 at 7.50% APR is $2,967.54 per month; 15 year fixed rate, $250,000 at 7.75% APR is $2,353.19 per month.

2. Adverse Credit Event: two or more payments more than 30 days late, totaling more than $500, within the prior 6 months; accounts with a total outstanding balance greater than $1,000 that are 90 or more days delinquent as of the date of the credit report, or that have been placed in collection or charged off during the two years preceding the date of the credit report; default determination during the five years preceding the date of the credit report; bankruptcy discharge during the five years preceding the date of the credit report; repossession during the five years preceding the date of the credit report; foreclosure during the five years preceding the date of the credit report; charge-off/write-off of a federal student aid debt during the five years preceding the date of the credit report; wage garnishment during the five years preceding the date of the credit report; tax lien during the five years preceding the date of the credit report; consumer credit counseling within five years preceding the date of the credit report.

3. See the Refinance Disclosure for product information, rates, fees and other important product information.

4. Calculator is for informational purposes only, actual payments may differ slightly based on when the loan is closed and when first payment date is scheduled. Refer to loan documents for exact payment.

Product Details & Requirements

  • Practicing dentists and dental specialists only
  • Active dental license in good standing
  • Refinance only available to loans from Title IV accredited schools
  • Loan fully amortized over term
  • Proof of income as a dentist
  • If you have not been paid yet, your residency / fellowship graduation certificate
  • W2 or 1099 or Personal Tax Returns or equivalent
  • No adverse credit event2
  • Minimum loan amount: $15,000; no maximum
  • Minimum credit score: 700
  • US citizenship or permanent residents

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