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Student Loan Refinance For Physicians, Dentists & Veterinarians

Student Loan Refinance For Physicians, Dentists & Veterinarians

Finally, refinancing designed for you. No maximums, no cosigner needed. And no charging you a higher rate because of your debt levels.

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Medical School Loan Refinance
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Dental School Loan Refinance
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Veterinary School Loan Refinance
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Medical School Loan Refinance
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Dental School Loan Refinance
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Veterinary School Loan Refinance
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What Healthcare Professionals Are Saying About Panacea

The entire loan process was streamlined and hassle free with excellent personal banker support. Only wished I learned about this earlier!
Dr. S.Tennessee
I could not qualify for loans due to my debt to income ratio with my student loans. Panacea was able to look past that and approved my loan. The entire process was seamless, quick, and transparent. I would recommend their services to anyone!
Dr. J.Florida
This organization is not predatory and works hard to support Physician interests. One of the co-founders personally reached out on Holiday weekend! Really tough to find that kind of sincerity in business these days.
Dr. N.Michigan
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The entire loan process was streamlined and hassle free with excellent personal banker support. Only wished I learned about this earlier!
Dr. T.Tennessee
I could not qualify for loans due to my debt to income ratio with my student loans. Panacea was able to look past that and approved my loan. I would recommend their services to anyone!
Dr. P.Florida
This organization is not predatory and works hard to support Physician interests. One of the co-founders personally reached out on Holiday weekend! Really tough to find that kind of sincerity in business these days.
Dr. N.Michigan
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How To Refinance Your Medical, Dental & Veterinary School Loans

Refinancing your student loans from medical, dental and veterinary school is an important step in taking control of your finances. For many, this is their largest debt early in their career. If you’re not eligible for a forgiveness program, check out our refinance products designed for every stage of your career: through training and into full practice.

What are the next steps?

  • Explore refinancing and gather required documents
  • Submit your application!
  • Finalize application with your Primary Care Banker
  • That's it!

Whatever You Need, Panacea Financial Helps You Get Loans Fast.

Here’s to better financial solutions for physicians, dentists and veterinarians.

Start Your Application Today
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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 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. Time of reduced payments at $100 selected at time of loan origination, up to three years. Borrowers can request extended period of reduced payments if their training continues. 

Doctor–In-Training Loan Refinance payment schedule examples:

7 year Reduced Payment Options:

7 year (84 months) fixed rate, $250,000 at 7.75% (7.65% APR): Months 1 -12 @ $100.00 per month, Months 13-84 @ $4,658.33 per month;

7 year (84 months) fixed rate, $250,000 at 7.75% (7.44% APR): Months 1 -24 @ $100.00 per month, Months 25-84 @ $5,744.85 per month;

7 year (84 months) fixed rate, $250,000 at 7.75% (7.18% APR): Months 1 -36 @ $100.00 per month, Months 37-84 @ $7,349.63 per month;

10 year Reduced Payment Options:

10 year (120 months) fixed rate, $250,000 at 8.00% (7.88% APR): Months 1 -12 @ $100.00 per month, Months 13-120 @ $3,487.65 per month;

10 year (120 months) fixed rate, $250,000 at 8.00% (7.67% APR): Months 1 -24 @ $100.00 per month, Months 25-120 @ $4,034.15 per month;

10 year (120 months) fixed rate, $250,000 at 8.00% (7.44% APR): Months 1 -36 @ $100.00 per month, Months 37-120 @ $4,718.18 per month;

15 year Reduced Payment Options:

15 year (180 months) fixed rate, $250,000 at 8.25% (8.12% APR): Months 1 -12 @ $100.00 per month, Months 13-180 @ $2,694.08 per month;

15 year (180 months) fixed rate, $250,000 at 8.25% (7.90% APR): Months 1 -24 @ $100.00 per month, Months 25-180 @ $2,981.64 per month;

15 year (180 months) fixed rate, $250,000 at 8.25% (7.66% APR): Months 1 -36 @ $100.00 per month, Months 37-180 @ $3301.72 per month;

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

3. 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.

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