{"id":7404,"date":"2014-11-12T23:26:18","date_gmt":"2014-11-13T06:26:18","guid":{"rendered":"https:\/\/www.whitecoatinvestor.com\/?page_id=7404"},"modified":"2026-04-29T11:38:03","modified_gmt":"2026-04-29T17:38:03","slug":"student-loan-refinancing","status":"publish","type":"page","link":"https:\/\/www.whitecoatinvestor.com\/student-loan-refinancing\/","title":{"rendered":"Student Loan Refinancing Guide"},"content":{"rendered":"<section class=\"hero student-loan-refinancing\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-9 mx-auto hero-content\">\n<h1>Student Loan Refinancing<\/h1>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"mt-3\">Student loan debt is increasingly becoming a contributor to stress, burnout, and even suicide in doctors and other high-income professionals. Refinancing private student loans is a no-brainer anytime you can lower your interest rate, even as an intern. Direct federal student loans should be refinanced as soon as you decide not to go for Public Service Loan Forgiveness (PSLF) and find an interest rate lower than your effective rate.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"white\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-9 mx-auto\">\n<h2 class=\"text-darkblue\">Refinance Medical School Loans<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"mt-3\"><b>It is best to refinance medical school loans early and often<\/b>, any time interest rates drop or another company offers a lower rate than your current lender. If you refinance through the links on this page, you will also get a cash bonus. WCI gets advertising compensation from these companies when you use these links. It is a win-win. As you pay down your loans, your credit score and debt-to-income ratio will improve, possibly lowering your rate even further.<\/p>\n<p class=\"mt-3\">Have you visited any of these lenders from a different website? Clear the cookies in your web browser before you click any of the WCI links below to ensure you are identified as a WCI reader (and get our best rates and bonus cash back).<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"sl-chart-section\"><a class=\"page-target\" name=\"chart\"><\/a><\/p>\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 mx-auto\">\n<h2 class=\"text-darkblue\">Best Student Loan Refinance Companies<\/h2>\n<div class=\"headline-underscore mb-3\"><\/div>\n<div class=\"row sl-chart g-3 mt-4\">\n\n  <div class=\"sl-chart-item col-xl-3 col-md-6 col-12\">\n    <a href=\"\/c\/sofi\" target=\"_blank\" rel=\"noopener\">\n      <div class=\"inner d-none d-md-block\">\n        <div class=\"image\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"1112\" height=\"228\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/sofi-logo-blue-transparent-1112x228-1.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/sofi-logo-blue-transparent-1112x228-1.png 1112w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/sofi-logo-blue-transparent-1112x228-1-300x62.png 300w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/sofi-logo-blue-transparent-1112x228-1-1024x210.png 1024w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/sofi-logo-blue-transparent-1112x228-1-768x157.png 768w\" sizes=\"auto, (max-width: 1112px) 100vw, 1112px\" \/>        <\/div>\n        <span class=\"heading\">Cash and Bonus<\/span><br\/>\n        <span class=\"value mb-3\">up to $500*<sup>&dagger;<\/sup><\/span><br\/><br\/>\n        <span class=\"heading\">Rates<\/span><br\/>\n        <div class=\"value mb-3\" style=\"min-height:60px\">Fixed 4.12%-9.99% APR <br \/>\r\nVariable 5.87%-9.99% APR<br \/>\r\nwith all discounts<\/div>\n        <span class=\"heading\">Residents?<\/span><br\/>\n        <span class=\"value mb-3\">Yes<\/span><br\/><br\/>\n        <button class=\"btn btn-primary\">Get Started<\/button>\n      <\/div>\n      <div class=\"inner d-md-none m-0\">\n        <div class=\"image mx-auto\"><img loading=\"lazy\" decoding=\"async\" width=\"1112\" height=\"228\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/sofi-logo-blue-transparent-1112x228-1.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/sofi-logo-blue-transparent-1112x228-1.png 1112w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/sofi-logo-blue-transparent-1112x228-1-300x62.png 300w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/sofi-logo-blue-transparent-1112x228-1-1024x210.png 1024w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/sofi-logo-blue-transparent-1112x228-1-768x157.png 768w\" sizes=\"auto, (max-width: 1112px) 100vw, 1112px\" \/><\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Cash and Bonus<\/div>\n\t  <div class=\"col-7 text-start value\">up to $500*<\/div>\n        <\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Rates<\/div>\n\t  <div class=\"col-7 text-start value\">Fixed 4.12%-9.99% APR <br \/>\r\nVariable 5.87%-9.99% APR<br \/>\r\nwith all discounts<\/div>\n        <\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Residents?<\/div>\n\t  <div class=\"col-7 text-start value\">Yes<\/div>\n        <\/div>\n        <button class=\"btn btn-primary\">Get Started<\/button>\n      <\/div>\n    <\/a>\n    <div class=\"d-md-none py-4 bg-white\"><div class=\"orange-horizontal-divider\"><\/div><\/div>\n  <\/div>\n\n  <div class=\"sl-chart-item col-xl-3 col-md-6 col-12\">\n    <a href=\"\/c\/earnest\" target=\"_blank\" rel=\"noopener\">\n      <div class=\"inner d-none d-md-block\">\n        <div class=\"image\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"585\" height=\"140\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/earnest-logo-color-transparent-585x140-1.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/earnest-logo-color-transparent-585x140-1.png 585w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/earnest-logo-color-transparent-585x140-1-300x72.png 300w\" sizes=\"auto, (max-width: 585px) 100vw, 585px\" \/>        <\/div>\n        <span class=\"heading\">Cash and Bonus<\/span><br\/>\n        <span class=\"value mb-3\">up to $1,299*<sup>&dagger;<\/sup><\/span><br\/><br\/>\n        <span class=\"heading\">Rates<\/span><br\/>\n        <div class=\"value mb-3\" style=\"min-height:60px\">Fixed 3.55%-9.99% APR<br \/>\r\nVariable 5.48%-9.99% APR<br \/>\r\nwith all discounts<\/div>\n        <span class=\"heading\">Residents?<\/span><br\/>\n        <span class=\"value mb-3\">No<\/span><br\/><br\/>\n        <button class=\"btn btn-primary\">Get Started<\/button>\n      <\/div>\n      <div class=\"inner d-md-none m-0\">\n        <div class=\"image mx-auto\"><img loading=\"lazy\" decoding=\"async\" width=\"585\" height=\"140\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/earnest-logo-color-transparent-585x140-1.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/earnest-logo-color-transparent-585x140-1.png 585w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/earnest-logo-color-transparent-585x140-1-300x72.png 300w\" sizes=\"auto, (max-width: 585px) 100vw, 585px\" \/><\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Cash and Bonus<\/div>\n\t  <div class=\"col-7 text-start value\">up to $1,299*<\/div>\n        <\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Rates<\/div>\n\t  <div class=\"col-7 text-start value\">Fixed 3.55%-9.99% APR<br \/>\r\nVariable 5.48%-9.99% APR<br \/>\r\nwith all discounts<\/div>\n        <\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Residents?<\/div>\n\t  <div class=\"col-7 text-start value\">No<\/div>\n        <\/div>\n        <button class=\"btn btn-primary\">Get Started<\/button>\n      <\/div>\n    <\/a>\n    <div class=\"d-md-none py-4 bg-white\"><div class=\"orange-horizontal-divider\"><\/div><\/div>\n  <\/div>\n\n  <div class=\"sl-chart-item col-xl-3 col-md-6 col-12\">\n    <a href=\"\/slr\/c\/juno\" target=\"_blank\" rel=\"noopener\">\n      <div class=\"inner d-none d-md-block\">\n        <div class=\"image\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"150\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2024\/09\/Juno-450x150-logo.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2024\/09\/Juno-450x150-logo.png 450w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2024\/09\/Juno-450x150-logo-300x100.png 300w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/>        <\/div>\n        <span class=\"heading\">Cash and Bonus<\/span><br\/>\n        <span class=\"value mb-3\">up to $1,799<sup>&dagger;<\/sup><\/span><br\/><br\/>\n        <span class=\"heading\">Rates<\/span><br\/>\n        <div class=\"value mb-3\" style=\"min-height:60px\">Fixed 3.55%-9.99% APR<br \/>\r\nVariable 5.48%-9.99% APR<br \/>\r\n<\/div>\n        <span class=\"heading\">Residents?<\/span><br\/>\n        <span class=\"value mb-3\">Yes<\/span><br\/><br\/>\n        <button class=\"btn btn-primary\">Get Started<\/button>\n      <\/div>\n      <div class=\"inner d-md-none m-0\">\n        <div class=\"image mx-auto\"><img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"150\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2024\/09\/Juno-450x150-logo.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2024\/09\/Juno-450x150-logo.png 450w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2024\/09\/Juno-450x150-logo-300x100.png 300w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Cash and Bonus<\/div>\n\t  <div class=\"col-7 text-start value\">up to $1,799<\/div>\n        <\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Rates<\/div>\n\t  <div class=\"col-7 text-start value\">Fixed 3.55%-9.99% APR<br \/>\r\nVariable 5.48%-9.99% APR<br \/>\r\n<\/div>\n        <\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Residents?<\/div>\n\t  <div class=\"col-7 text-start value\">Yes<\/div>\n        <\/div>\n        <button class=\"btn btn-primary\">Get Started<\/button>\n      <\/div>\n    <\/a>\n    <div class=\"d-md-none py-4 bg-white\"><div class=\"orange-horizontal-divider\"><\/div><\/div>\n  <\/div>\n\n  <div class=\"sl-chart-item col-xl-3 col-md-6 col-12\">\n    <a href=\"\/c\/splash\" target=\"_blank\" rel=\"noopener\">\n      <div class=\"inner d-none d-md-block\">\n        <div class=\"image\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"377\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2022\/12\/Splash_Logo_Black_72dpi_Logo-e1689201086761.png\" class=\"attachment-full size-full\" alt=\"Splash\" srcset=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2022\/12\/Splash_Logo_Black_72dpi_Logo-e1689201086761.png 900w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2022\/12\/Splash_Logo_Black_72dpi_Logo-e1689201086761-300x126.png 300w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2022\/12\/Splash_Logo_Black_72dpi_Logo-e1689201086761-768x322.png 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/>        <\/div>\n        <span class=\"heading\">Cash and Bonus<\/span><br\/>\n        <span class=\"value mb-3\">up to $1,299<sup>&dagger;<\/sup><\/span><br\/><br\/>\n        <span class=\"heading\">Rates<\/span><br\/>\n        <div class=\"value mb-3\" style=\"min-height:60px\">Fixed 4.20%-10.24% APR*<br \/>\r\nVariable 4.74%-10.24% APR*<br \/>\r\n<\/div>\n        <span class=\"heading\">Residents?<\/span><br\/>\n        <span class=\"value mb-3\">Yes<\/span><br\/><br\/>\n        <button class=\"btn btn-primary\">Get Started<\/button>\n      <\/div>\n      <div class=\"inner d-md-none m-0\">\n        <div class=\"image mx-auto\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"377\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2022\/12\/Splash_Logo_Black_72dpi_Logo-e1689201086761.png\" class=\"attachment-full size-full\" alt=\"Splash\" srcset=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2022\/12\/Splash_Logo_Black_72dpi_Logo-e1689201086761.png 900w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2022\/12\/Splash_Logo_Black_72dpi_Logo-e1689201086761-300x126.png 300w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2022\/12\/Splash_Logo_Black_72dpi_Logo-e1689201086761-768x322.png 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Cash and Bonus<\/div>\n\t  <div class=\"col-7 text-start value\">up to $1,299<\/div>\n        <\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Rates<\/div>\n\t  <div class=\"col-7 text-start value\">Fixed 4.20%-10.24% APR*<br \/>\r\nVariable 4.74%-10.24% APR*<br \/>\r\n<\/div>\n        <\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Residents?<\/div>\n\t  <div class=\"col-7 text-start value\">Yes<\/div>\n        <\/div>\n        <button class=\"btn btn-primary\">Get Started<\/button>\n      <\/div>\n    <\/a>\n    <div class=\"d-md-none py-4 bg-white\"><div class=\"orange-horizontal-divider\"><\/div><\/div>\n  <\/div>\n\n  <div class=\"sl-chart-item col-xl-3 col-md-6 col-12\">\n    <a href=\"\/c\/credible\" target=\"_blank\" rel=\"noopener\">\n      <div class=\"inner d-none d-md-block\">\n        <div class=\"image\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"465\" height=\"106\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/credible-logo-color-transparent-465x106-1.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/credible-logo-color-transparent-465x106-1.png 465w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/credible-logo-color-transparent-465x106-1-300x68.png 300w\" sizes=\"auto, (max-width: 465px) 100vw, 465px\" \/>        <\/div>\n        <span class=\"heading\">Cash and Bonus<\/span><br\/>\n        <span class=\"value mb-3\">up to $1,299*<sup>&dagger;<\/sup><\/span><br\/><br\/>\n        <span class=\"heading\">Rates<\/span><br\/>\n        <div class=\"value mb-3\" style=\"min-height:60px\">Fixed 3.99%-10.35% APR<br \/>\r\nVariable 3.66%-11.11% APR<br \/>\r\n ^Best Rate Guarantee<\/div>\n        <span class=\"heading\">Residents?<\/span><br\/>\n        <span class=\"value mb-3\">Yes<\/span><br\/><br\/>\n        <button class=\"btn btn-primary\">Get Started<\/button>\n      <\/div>\n      <div class=\"inner d-md-none m-0\">\n        <div class=\"image mx-auto\"><img loading=\"lazy\" decoding=\"async\" width=\"465\" height=\"106\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/credible-logo-color-transparent-465x106-1.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/credible-logo-color-transparent-465x106-1.png 465w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/credible-logo-color-transparent-465x106-1-300x68.png 300w\" sizes=\"auto, (max-width: 465px) 100vw, 465px\" \/><\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Cash and Bonus<\/div>\n\t  <div class=\"col-7 text-start value\">up to $1,299*<\/div>\n        <\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Rates<\/div>\n\t  <div class=\"col-7 text-start value\">Fixed 3.99%-10.35% APR<br \/>\r\nVariable 3.66%-11.11% APR<br \/>\r\n ^Best Rate Guarantee<\/div>\n        <\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Residents?<\/div>\n\t  <div class=\"col-7 text-start value\">Yes<\/div>\n        <\/div>\n        <button class=\"btn btn-primary\">Get Started<\/button>\n      <\/div>\n    <\/a>\n    <div class=\"d-md-none py-4 bg-white\"><div class=\"orange-horizontal-divider\"><\/div><\/div>\n  <\/div>\n\n  <div class=\"sl-chart-item col-xl-3 col-md-6 col-12\">\n    <a href=\"\/c\/laurelroad\" target=\"_blank\" rel=\"noopener\">\n      <div class=\"inner d-none d-md-block\">\n        <div class=\"image\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"91\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/03\/KeyBank-logo-RGB-white-background.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/03\/KeyBank-logo-RGB-white-background.jpg 450w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/03\/KeyBank-logo-RGB-white-background-300x61.jpg 300w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/>        <\/div>\n        <span class=\"heading\">Cash and Bonus<\/span><br\/>\n        <span class=\"value mb-3\">$550<sup>&dagger;<\/sup><\/span><br\/><br\/>\n        <span class=\"heading\">Rates<\/span><br\/>\n        <div class=\"value mb-3\" style=\"min-height:60px\">Fixed 4.74%-8.75% APR<br \/>\r\nVariable 5.04%-9.05% APR<br \/>\r\n<\/div>\n        <span class=\"heading\">Residents?<\/span><br\/>\n        <span class=\"value mb-3\">Yes<\/span><br\/><br\/>\n        <button class=\"btn btn-primary\">Get Started<\/button>\n      <\/div>\n      <div class=\"inner d-md-none m-0\">\n        <div class=\"image mx-auto\"><img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"91\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/03\/KeyBank-logo-RGB-white-background.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/03\/KeyBank-logo-RGB-white-background.jpg 450w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/03\/KeyBank-logo-RGB-white-background-300x61.jpg 300w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Cash and Bonus<\/div>\n\t  <div class=\"col-7 text-start value\">$550<\/div>\n        <\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Rates<\/div>\n\t  <div class=\"col-7 text-start value\">Fixed 4.74%-8.75% APR<br \/>\r\nVariable 5.04%-9.05% APR<br \/>\r\n<\/div>\n        <\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Residents?<\/div>\n\t  <div class=\"col-7 text-start value\">Yes<\/div>\n        <\/div>\n        <button class=\"btn btn-primary\">Get Started<\/button>\n      <\/div>\n    <\/a>\n    <div class=\"d-md-none py-4 bg-white\"><div class=\"orange-horizontal-divider\"><\/div><\/div>\n  <\/div>\n\n  <div class=\"sl-chart-item col-xl-3 col-md-6 col-12\">\n    <a href=\"\/c\/elfi\" target=\"_blank\" rel=\"noopener\">\n      <div class=\"inner d-none d-md-block\">\n        <div class=\"image\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"1522\" height=\"508\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/03\/ELFI-padded.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/03\/ELFI-padded.png 1522w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/03\/ELFI-padded-300x100.png 300w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/03\/ELFI-padded-1024x342.png 1024w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/03\/ELFI-padded-768x256.png 768w\" sizes=\"auto, (max-width: 1522px) 100vw, 1522px\" \/>        <\/div>\n        <span class=\"heading\">Cash and Bonus<\/span><br\/>\n        <span class=\"value mb-3\">up to $1,398<sup>&dagger;<\/sup><\/span><br\/><br\/>\n        <span class=\"heading\">Rates<\/span><br\/>\n        <div class=\"value mb-3\" style=\"min-height:60px\">Fixed 4.29%-8.44% APR<br \/>\r\nVariable 4.74%-8.24% APR<br \/>\r\n<\/div>\n        <span class=\"heading\">Residents?<\/span><br\/>\n        <span class=\"value mb-3\">No<\/span><br\/><br\/>\n        <button class=\"btn btn-primary\">Get Started<\/button>\n      <\/div>\n      <div class=\"inner d-md-none m-0\">\n        <div class=\"image mx-auto\"><img loading=\"lazy\" decoding=\"async\" width=\"1522\" height=\"508\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/03\/ELFI-padded.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/03\/ELFI-padded.png 1522w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/03\/ELFI-padded-300x100.png 300w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/03\/ELFI-padded-1024x342.png 1024w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/03\/ELFI-padded-768x256.png 768w\" sizes=\"auto, (max-width: 1522px) 100vw, 1522px\" \/><\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Cash and Bonus<\/div>\n\t  <div class=\"col-7 text-start value\">up to $1,398<\/div>\n        <\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Rates<\/div>\n\t  <div class=\"col-7 text-start value\">Fixed 4.29%-8.44% APR<br \/>\r\nVariable 4.74%-8.24% APR<br \/>\r\n<\/div>\n        <\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Residents?<\/div>\n\t  <div class=\"col-7 text-start value\">No<\/div>\n        <\/div>\n        <button class=\"btn btn-primary\">Get Started<\/button>\n      <\/div>\n    <\/a>\n    <div class=\"d-md-none py-4 bg-white\"><div class=\"orange-horizontal-divider\"><\/div><\/div>\n  <\/div>\n\n  <div class=\"sl-chart-item col-xl-3 col-md-6 col-12\">\n    <a href=\"\/c\/brazos\" target=\"_blank\" rel=\"noopener\">\n      <div class=\"inner d-none d-md-block\">\n        <div class=\"image\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"47\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/brazos-logo-blue-260x47-1.png\" class=\"attachment-full size-full\" alt=\"\" \/>        <\/div>\n        <span class=\"heading\">Cash and Bonus<\/span><br\/>\n        <span class=\"value mb-3\">up to $1,399<sup>&dagger;<\/sup><\/span><br\/><br\/>\n        <span class=\"heading\">Rates<\/span><br\/>\n        <div class=\"value mb-3\" style=\"min-height:60px\">Fixed 3.99%-6.40% APR<br \/>\r\nVariable 3.65%-6.30% APR<br \/>\r\n<\/div>\n        <span class=\"heading\">Residents?<\/span><br\/>\n        <span class=\"value mb-3\">No<\/span><br\/><br\/>\n        <button class=\"btn btn-primary\">Get Started<\/button>\n      <\/div>\n      <div class=\"inner d-md-none m-0\">\n        <div class=\"image mx-auto\"><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"47\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/brazos-logo-blue-260x47-1.png\" class=\"attachment-full size-full\" alt=\"\" \/><\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Cash and Bonus<\/div>\n\t  <div class=\"col-7 text-start value\">up to $1,399<\/div>\n        <\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Rates<\/div>\n\t  <div class=\"col-7 text-start value\">Fixed 3.99%-6.40% APR<br \/>\r\nVariable 3.65%-6.30% APR<br \/>\r\n<\/div>\n        <\/div>\n        <div class=\"row my-3 px-4\">\n          <div class=\"col-5 text-start heading\">Residents?<\/div>\n\t  <div class=\"col-7 text-start value\">No<\/div>\n        <\/div>\n        <button class=\"btn btn-primary\">Get Started<\/button>\n      <\/div>\n    <\/a>\n    <div class=\"d-md-none py-4 bg-white\"><div class=\"orange-horizontal-divider\"><\/div><\/div>\n  <\/div>\n<\/div>\n<div class=\"slr-chart-notes\" style=\"font-size:0.65em;color:#777777;line-height:1.2;padding:0 1.0rem;\">\n  <span class=\"affiliate-link-disclosure\">** White Coat Investor accepts advertising compensation from these companies. Page order does not guarantee best possible rate and terms.<\/span><br>\n  <span class=\"slr-chart-disclaimer\"><a name=\"bonus-disclaimer\"><\/a><p><a name=\"bonus-disclaimer\"><\/a>\u2020 Bonus includes cash rebates and value of free course. Borrowers who refinance more than $60,000 in student loans using the <a href=\"\/student-loan-refinancing\/\" target=\"_blank\" rel=\"noopener\">WCI links<\/a> will be enrolled in The White Coat Investor\u2019s flagship course, <a href=\"https:\/\/whitecoatinvestor.teachable.com\/p\/fyfa-attending\" target=\"_blank\" rel=\"noopener\">Fire Your Financial Advisor: ATTENDING<\/a> for free ($799 value). Borrowers will still receive the amazing cash rebates that WCI has negotiated with each lender. Offer valid for loan applications submitted from May 1, 2021 through April 30, 2026. Free course must be claimed within 90 days of loan disbursement. To claim free course enrollment, visit <a href=\"https:\/\/www.whitecoatinvestor.com\/refibonus\" target=\"_blank\" rel=\"noopener\">https:\/\/www.whitecoatinvestor.com\/RefiBonus<\/a>.<\/p>\n<\/span>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"free-course text-white\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-9 mx-auto\">\n<div class=\"row\">\n<div class=\"col-lg-7\">\n<h2 class=\"text-white\">Free Course Offer<\/h2>\n<div class=\"headline-underscore\"><\/div>\n<p class=\"mt-3\">You can do this, and WCI can help! We want you to be successful, so we are giving anyone who refinances more than $60,000 in student loans through the WCI links free access to The White Coat Investor\u2019s Flagship course, <a class=\"white\" href=\"https:\/\/www.wcicourses.com\/p\/fyfa-attending\" target=\"_blank\" rel=\"noopener\">Fire Your Financial Advisor: ATTENDING (A Step-by-Step Guide to Creating Your Own Financial Plan)<\/a>. Get amazing cash rebates that we have negotiated AND another $799 in value with the course. Join thousands of other professionals who have created their own financial plan with the help of The White Coat Investor.<\/p>\n<p class=\"mt-3\"><small><em>*Free course offer valid for loan applications submitted from May 1, 2021, through April 30, 2026. The course must be claimed within 90 days of loan disbursement. If you are already a customer of one of our partners, you may need to refi with a new partner to be identified as a WCI reader and be eligible for the free course. Course access instructions are sent out on a monthly basis.<\/em><\/small><\/p>\n<p><a class=\"btn btn-primary\" href=\"https:\/\/www.whitecoatinvestor.com\/RefiBonus\" target=\"_blank\" rel=\"noopener\">Get Free Course<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"gray\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-9 mx-auto\">\n<h2 class=\"text-darkblue text-center\">You Need a Student Loan Plan<\/h2>\n<div class=\"headline-underscore centered mb-3\"><\/div>\n<div class=\"col-lg-10 mx-auto text-center mt-4\"><iframe class=\"youtube-container\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/fpYxYI7vHso\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"white\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-9 mx-auto\">\n<div class=\"row\">\n\t<div id=\"wci-accordion\" class=\"accordion wci-accordion\">\n<div class=\"card\">\n  <div class=\"card-header collapsed\" id=\"heading-1\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-1\" data-toggle=\"collapse\" data-target=\"#collapse-1\" aria-expanded=\"false\" aria-controls=\"collapse-1\">\n    <h2 class=\"mb-0 wci-h3-accordion-header\"><span id=\"What-is-student-loan-refinancing?\"><\/span>What is student loan refinancing?<\/h2>  <\/div>\n  <div id=\"collapse-1\" class=\"collapse\" aria-labelledby=\"heading-1\" data-bs-parent=\"#wci-accordion\" data-parent=\"#wci-accordion\">\n    <div class=\"card-body\">\n      <p class=\"mt-0\">Doctors often accumulate multiple loans from both private and federal loan programs to fund their medical schooling. Student loan refinancing is when you seek out a private lender to replace those loans with a brand new loan at a new interest rate and terms. Refinancing is free. It can be done over and over. And it can save you a lot of money by lowering your interest rate.<\/p>\n<p>Student loan refinancing is NOT the same thing as a Federal Direct Consolidation Loan. <a href=\"https:\/\/www.whitecoatinvestor.com\/student-debt-consolidation\/\" target=\"_blank\" rel=\"noopener\">Consolidation<\/a> is the process of combining multiple federal student loans into one federal loan.<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"card\">\n  <div class=\"card-header collapsed\" id=\"heading-2\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-2\" data-toggle=\"collapse\" data-target=\"#collapse-2\" aria-expanded=\"false\" aria-controls=\"collapse-2\">\n    <h2 class=\"mb-0 wci-h3-accordion-header\"><span id=\"What-are-the-benefits-of-refinancing-my-medical-school-loans?\"><\/span>What are the benefits of refinancing my medical school loans?<\/h2>  <\/div>\n  <div id=\"collapse-2\" class=\"collapse\" aria-labelledby=\"heading-2\" data-bs-parent=\"#wci-accordion\" data-parent=\"#wci-accordion\">\n    <div class=\"card-body\">\n      <p class=\"mt-0\">En route to debt elimination, most professionals should take advantage of the ability to refinance their debt with a private company. It is usually a no-brainer (assuming loan forgiveness is not an option), because you can lower your monthly payment and the amount of money you owe over the life of the loan\u2014in addition to paying it off quicker.<\/p>\n<p>Eliminating your student loan debt at the beginning of your career will increase your happiness and speed your way to financial freedom, allowing you to take advantage of future opportunities, both professional and personal.<\/p>\n<h3>You Save a Ton of Interest<\/h3>\n<p>If you have $300,000 in student loans at an average rate of 7% and refinance that to 2.5%, you will spend $13,500 less in interest in the first year alone. That is $13,500 that can go toward principal instead of interest. The same monthly payment that would pay off a 7% loan in 20 years pays off a 2.5% loan in less than 10 years. A 10-year loan becomes a 6 1\/2-year loan. A five-year loan goes away in less than four.<\/p>\n<h3>You Get Cash Back Now<\/h3>\n<p>As if saving tens of thousands of dollars in interest isn't enough, WCI has negotiated a special deal for you with each of the main refinancing companies. When you refinance, you get some money back (and you help support this site). If you're smart, you'll throw those dollars saved into paying off your loans.<\/p>\n<h3>You Get Better Service<\/h3>\n<p>No company is ever perfect, but compared to the service you were getting from your federal loan servicer, these guys might seem like it. You can get people on the phone, can use an actual functioning website, and can easily make extra payments to pay your loans off even faster.<\/p>\n<h3>You Get a Quick and Easy Way to Make Money<\/h3>\n<p>When refinancing companies first showed up in 2013, there were lots of kinks to work out. Well, they've all been worked out. Now you can get a preliminary quote from most of them online in five minutes or less.<\/p>\n<p>If you have all of your loan paperwork handy, you can usually upload it electronically in a few more minutes. Once you've gathered the paperwork to refinance with one lender, checking your rate with a couple of others is no big deal either (and we recommend you do so).<\/p>\n<p class=\"mt-5\">We don't know how long it takes you to make $13,500, but refinancing your loans will take much less time, especially since it is all after-tax money.<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"card\">\n  <div class=\"card-header collapsed\" id=\"heading-3\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-3\" data-toggle=\"collapse\" data-target=\"#collapse-3\" aria-expanded=\"false\" aria-controls=\"collapse-3\">\n    <h2 class=\"mb-0 wci-h3-accordion-header\"><span id=\"Should-I-refinance-my-student-loans?\"><\/span>Should I refinance my student loans?<\/h2>  <\/div>\n  <div id=\"collapse-3\" class=\"collapse\" aria-labelledby=\"heading-3\" data-bs-parent=\"#wci-accordion\" data-parent=\"#wci-accordion\">\n    <div class=\"card-body\">\n      <p class=\"mt-0\"><a href=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Both-1-scaled.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-349997\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Both-1-839x1024.jpg\" alt=\"\" width=\"839\" height=\"1024\" srcset=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Both-1-839x1024.jpg 839w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Both-1-246x300.jpg 246w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Both-1-768x938.jpg 768w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Both-1-1258x1536.jpg 1258w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Both-1-1678x2048.jpg 1678w\" sizes=\"auto, (max-width: 839px) 100vw, 839px\" \/><\/a><\/p>\n<p class=\"mt-0\"><a href=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Resident-1-scaled.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"my-4 alignright size-large wp-image-349628\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Resident-1-1024x619.jpg\" alt=\"\" width=\"1024\" height=\"619\" srcset=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Resident-1-1024x619.jpg 1024w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Resident-1-300x181.jpg 300w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Resident-1-768x464.jpg 768w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Resident-1-1536x928.jpg 1536w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Resident-1-2048x1237.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/p>\n<p class=\"mt-0\"><a href=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Attending-1-scaled.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"my-4 aligncenter size-large wp-image-349629\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Attending-1-1024x590.jpg\" alt=\"\" width=\"1024\" height=\"590\" srcset=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Attending-1-1024x590.jpg 1024w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Attending-1-300x173.jpg 300w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Attending-1-768x443.jpg 768w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Attending-1-1536x885.jpg 1536w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/26_student-loan-management-Attending-1-2048x1180.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/p>\n<h3>Do You Have Any High-Rate Student Loans That Aren't Federal Loans?<\/h3>\n<p>These include any private medical school loans you may have taken out. Those aren't eligible\u00a0for PSLF, so you might as well refinance them if you can get a lower rate (which you usually can).<\/p>\n<h3>Are You Sure You Will NOT Be Going for Public Service Loan Forgiveness (PSLF)?<\/h3>\n<p><a href=\"https:\/\/www.whitecoatinvestor.com\/public-service-loan-forgiveness\/\" target=\"_blank\" rel=\"noopener\">PSLF<\/a>\u00a0is a program where any remaining direct federal student loans are forgiven tax-free after you make 120 on-time monthly payments in a qualifying program while working full-time\u00a0for a qualifying employer.<\/p>\n<p>If you're absolutely positive that working at a 501(c)(3) and going for PSLF is not in your future, you can consider refinancing federal loans. <strong>If you're not sure, don't refinance!!<\/strong><\/p>\n<h4>Refinance or PSLF?<\/h4>\n<ul>\n<li>If you're sure you won't work at a 501(c)(3) and going for PSLF is NOT in your future\u00a0 \u2192\u00a0 Refinance<\/li>\n<li>If there's a chance you will work at a 501(c)(3)\u00a0 \u2192\u00a0 Don't Refinance<\/li>\n<li>Debt-to-income ratio of 1 or lower\u00a0 \u2192\u00a0 Refinance<\/li>\n<li>Debt-to-income ratio of 1-2, run the numbers on refinancing vs PSLF. The longer your training (residency, fellowship, internship), the better PSLF is.<\/li>\n<li>Debt-to-income ratio of 2 or higher\u00a0 \u2192\u00a0 PSLF<\/li>\n<li>Weigh the risk of not being awarded PSLF<\/li>\n<li>If deciding between PAYE and <a href=\"https:\/\/www.whitecoatinvestor.com\/ultimate-guide-to-student-loan-debt-management-for-doctors\/\" target=\"_blank\" rel=\"noopener\">IBR (Income-Based Repayment)<\/a>\u00a0 \u2192\u00a0 Choose PAYE<\/li>\n<li>If heavily indebted and unable to work at a 501(c)(3)\u00a0 \u2192\u00a0 Consider <a href=\"https:\/\/www.whitecoatinvestor.com\/i-hate-income-driven-repayment-forgiveness\/\" target=\"_blank\" rel=\"noopener\">IDR Forgiveness<\/a><\/li>\n<\/ul>\n<p>You can learn more about PSLF vs. refinancing by reading <a href=\"https:\/\/www.whitecoatinvestor.com\/refinance-and-pay-off-or-go-for-pslf\/\" target=\"_blank\" rel=\"noopener\">Refinance and Pay off or Go for PSLF<\/a>. If you're needing help understanding federal student loan programs like PSLF, RAP, IBR, IDR, etc., you'll also want to familiarize yourself with our <a href=\"https:\/\/www.whitecoatinvestor.com\/ultimate-guide-to-student-loan-debt-management-for-doctors\/\" target=\"_blank\" rel=\"noopener\">Ultimate Guide to Student Loan Debt Management<\/a>.\u00a0If you don't want to wade through blog posts and DIY your student loan management, set up an appointment with one of our consultants at <a href=\"https:\/\/studentloanadvice.com\/\" target=\"_blank\" rel=\"noopener\">StudentLoanAdvice.com<\/a>. You'll have an experienced professional to answer your questions and guide you through your best options.<\/p>\n<p><strong>If you're not going for PSLF, then <a href=\"#chart\">refinance today!<\/a><\/strong> With companies\u2019 cashback bonuses, it really makes the decision easy.<\/p>\n<h3>What Rate Can You Get from Student Loan Refinance Companies?<\/h3>\n<p>Each student loan refinancing company is unique, but the bottom line is that you should apply with several of them. Assuming the service you receive is adequate, take the one that offers you the lowest rate with the best cashback bonus.<\/p>\n<p><strong><a class=\"orange text-nowrap\" href=\"#chart\">Check Your Refinance Rates<\/a><\/strong><\/p>\n<h3>Student Loan Refinance Requirements<\/h3>\n<p>Lenders take many factors into consideration, including your:<\/p>\n<ul>\n<li>Income<\/li>\n<li>Job History<\/li>\n<li>Savings<\/li>\n<li>Credit Score<\/li>\n<li>Debt<\/li>\n<\/ul>\n<p>The better you are in each of these categories, the better the rate you will generally receive.<\/p>\n<p>Private practice physicians who refinance often have a combination of these factors:<\/p>\n<ul>\n<li>Household debt-to-income ratios below 1.5<\/li>\n<li>A spouse who could NOT benefit from PSLF<\/li>\n<li>Smaller family size<\/li>\n<li>Desire to reach financial independence from medicine as fast as possible<\/li>\n<li>A spouse who earns a lot of money but who also has a minimal amount of debt<\/li>\n<\/ul>\n<h3>Can You Refinance Federal Student Loans?<\/h3>\n<p>Yes, you can refinance federal student loans, but <em>should<\/em> you refinance them? When the federal student loan interest rate was 0% during the pandemic, many borrowers held off on refinancing federal student loans. Zero percent was obviously a great deal, but now interest rates have gone back to normal.<\/p>\n<p>Are there key considerations when moving from federal to private loans?<\/p>\n<p>Yes. The government offers very real, very legitimate benefits, such as:<\/p>\n<ol>\n<li>Loan forgiveness<\/li>\n<li>Repayment programs<\/li>\n<li>Longer forbearance and deferment periods<\/li>\n<li>More <a href=\"https:\/\/whitecoatinvestor.com\/what-happens-to-your-refinanced-loan-in-the-event-of-death-or-disability\/\" target=\"_blank\" rel=\"noopener\">generous loan discharge<\/a> if you die or become totally or permanently disabled before loans are paid off or forgiven<\/li>\n<\/ol>\n<p>When moving from a federal to a private loan, you\u2019ll lose some benefits. If you\u2019re going to lose federal benefits, you better get the best deal.<\/p>\n<p>A couple of disadvantages of moving to private loans include:<\/p>\n<ol>\n<li>Less flexible repayment options<\/li>\n<li>High payments in early career years when income tends to be lower (except the small payments offered in residency)<\/li>\n<li>Inability to convert private loans to federal loans<\/li>\n<li>Private loans tend to have shorter forbearance periods that are commonly limited to a year, while federal loans have longer deferments and forbearances available to borrowers<\/li>\n<li>Death and disability discharges are less common<\/li>\n<li>Private loans don\u2019t offer nearly as many loan forgiveness programs<\/li>\n<\/ol>\n<h3>Can You Refinance Private Student Loans?<\/h3>\n<p>Yes, <strong>always shop for better interest rates on your student loans<\/strong>! It is always worth it to see if you can save even more money by refinancing them again.<\/p>\n<p>Get off your duff and get this important financial chore done; then get busy <a href=\"https:\/\/www.whitecoatinvestor.com\/what-does-live-like-a-resident-really-mean\/\" target=\"_blank\" rel=\"noopener\">living like a resident<\/a> to pay them off. Even if you have refinanced previously, you can do so again. And you should whenever rates drop (and if you go through a different company, you can even get another cashback bonus). There is no break-even period since there is no cost to you to refinance, so <strong>keep refinancing over and over until you have obliterated those student loans!\u00a0<\/strong><\/p>\n<p><strong><a class=\"orange text-nowrap\" href=\"#chart\">Compare Your Rates and Get Cash Back<\/a><\/strong><\/p>\n<h3>Can You Refinance Medical School Loans Multiple Times?<\/h3>\n<p>Perhaps you didn't get the best rate when you refinanced due to your credit score. Or perhaps interest rates have dropped. Or now you qualify for a five-year term or you decide to change to a variable rate loan. There is absolutely nothing stopping you from refinancing again.<\/p>\n<p>In fact, it's probably a lot easier since you now only have one loan. And yes, you get the bonus money every time you do it. Even the refinancing companies probably like it when you do this. They've already sold your previous loan off to investors. Doing it all again means more business for them.<\/p>\n<p><strong><a class=\"orange text-nowrap\" href=\"#chart\">See How Much You Can Save<\/a><\/strong><\/p>\n<h3>Can You Refinance Subsidized Student Loans?<\/h3>\n<p>Yes. But remember that subsidized loans will not accrue interest while you\u2019re enrolled in school. Once they are converted to private student loans, they will likely begin to accrue interest.<\/p>\n<h3>Do You Have to Refinance All Student Loans?<\/h3>\n<p>No, you can refinance one or all of your loans.<\/p>\n<h3>Can You Refinance Your Student Loans While in Your Residency?<\/h3>\n<p>It depends. Some refinancers will work with you while you\u2019re in residency. Others wait until you\u2019re an attending.<\/p>\n<h3>Can You Refinance Your Federal and Private Loans Together into One loan?<\/h3>\n<p>Yes. Private loan servicers can <a href=\"https:\/\/www.whitecoatinvestor.com\/student-debt-consolidation\/\" target=\"_blank\" rel=\"noopener\">consolidate<\/a> all your federal and private loans together. They can even consolidate your partner\u2019s student loans with yours into one loan.<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"card\">\n  <div class=\"card-header collapsed\" id=\"heading-4\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-4\" data-toggle=\"collapse\" data-target=\"#collapse-4\" aria-expanded=\"false\" aria-controls=\"collapse-4\">\n    <h2 class=\"mb-0 wci-h3-accordion-header\"><span id=\"Who-should-NOT-refinance-medical-student-loans?\"><\/span>Who should NOT refinance medical student loans?<\/h2>  <\/div>\n  <div id=\"collapse-4\" class=\"collapse\" aria-labelledby=\"heading-4\" data-bs-parent=\"#wci-accordion\" data-parent=\"#wci-accordion\">\n    <div class=\"card-body\">\n      <p class=\"mt-0\">Refinancing and paying down your med school debt in less than 10 years (and preferably less than five) can be a wonderful way to race to financial freedom. Once you\u2019ve refinanced, however, you can\u2019t go back. The refinancing decision warrants an abundance of caution if you have a combination of these characteristics:<\/p>\n<ul>\n<li>Potential that you might go for PSLF (obvious)<\/li>\n<li>Large family size<\/li>\n<li>Household debt-to-income ratio above 1.0-1.5, with no expectation that you\u2019ll hit this level within five years (i.e., you earn $200,000 but have more than $300,000 of debt)<\/li>\n<li>Physicians who would like to go part-time or work less for family reasons<\/li>\n<li>Some physicians married to higher earners who also have large student loans<\/li>\n<li>Spouse with low or no income<\/li>\n<\/ul>\n<p>Remember that when you refinance your medical school loans, they are no longer eligible for the <a href=\"https:\/\/www.whitecoatinvestor.com\/i-hate-income-driven-repayment-forgiveness\/\" target=\"_blank\" rel=\"noopener\">Income-Driven Repayment<\/a> programs (lower payments with a taxable forgiveness option after 20-25 years) or the <a href=\"https:\/\/www.whitecoatinvestor.com\/how-much-can-you-get-forgiven-via-pslf\/\" target=\"_blank\" rel=\"noopener\">PSLF<\/a> program (tax-free forgiveness after 10 years). So, don't refinance federal loans until you're absolutely sure you won't be going for loan forgiveness.<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"card\">\n  <div class=\"card-header collapsed\" id=\"heading-5\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-5\" data-toggle=\"collapse\" data-target=\"#collapse-5\" aria-expanded=\"false\" aria-controls=\"collapse-5\">\n    <h2 class=\"mb-0 wci-h3-accordion-header\"><span id=\"What-are-the-pros-and-cons-of-refinancing-student-loans?\"><\/span>What are the pros and cons of refinancing student loans?<\/h2>  <\/div>\n  <div id=\"collapse-5\" class=\"collapse\" aria-labelledby=\"heading-5\" data-bs-parent=\"#wci-accordion\" data-parent=\"#wci-accordion\">\n    <div class=\"card-body\">\n      <p class=\"mt-0\">For many borrowers, refinancing is an easy decision. For others, it is important to be sure that it will not have a negative impact on future plans. Weigh your decision by examining these pros and cons:<\/p>\n<p><a href=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/SLR-Refi-Pros-and-Cons-Chart-1-scaled.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-350003 size-large\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/SLR-Refi-Pros-and-Cons-Chart-1-891x1024.jpg\" alt=\"\" width=\"891\" height=\"1024\" srcset=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/SLR-Refi-Pros-and-Cons-Chart-1-891x1024.jpg 891w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/SLR-Refi-Pros-and-Cons-Chart-1-261x300.jpg 261w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/SLR-Refi-Pros-and-Cons-Chart-1-768x882.jpg 768w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/SLR-Refi-Pros-and-Cons-Chart-1-1337x1536.jpg 1337w, https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/04\/SLR-Refi-Pros-and-Cons-Chart-1-1783x2048.jpg 1783w\" sizes=\"auto, (max-width: 891px) 100vw, 891px\" \/><\/a><\/p>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"card\">\n  <div class=\"card-header collapsed\" id=\"heading-6\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-6\" data-toggle=\"collapse\" data-target=\"#collapse-6\" aria-expanded=\"false\" aria-controls=\"collapse-6\">\n    <h2 class=\"mb-0 wci-h3-accordion-header\"><span id=\"Should-I-consolidate-or-refinance-my-student-loans?\"><\/span>Should I consolidate or refinance my student loans?<\/h2>  <\/div>\n  <div id=\"collapse-6\" class=\"collapse\" aria-labelledby=\"heading-6\" data-bs-parent=\"#wci-accordion\" data-parent=\"#wci-accordion\">\n    <div class=\"card-body\">\n      <p class=\"mt-0\">Although these terms are often lumped together, they are very different things and both require your consideration.<\/p>\n<p><a href=\"https:\/\/www.whitecoatinvestor.com\/student-debt-consolidation\/\" target=\"_blank\" rel=\"noopener\"><strong>Consolidation<\/strong> <\/a>is the process of combining multiple federal student loans into one federal loan.<\/p>\n<p>Student loan <strong>refinancing<\/strong> is when you seek out a private lender to replace federal or private loans with a brand new loan at a new interest rate and terms.<\/p>\n<p>It\u2019s best to make the decision to consolidate or private refinance at the end of medical school.<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"card\">\n  <div class=\"card-header collapsed\" id=\"heading-7\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-7\" data-toggle=\"collapse\" data-target=\"#collapse-7\" aria-expanded=\"false\" aria-controls=\"collapse-7\">\n    <h2 class=\"mb-0 wci-h3-accordion-header\"><span id=\"When-should-I-refinance-my-medical-school-student-loans?\"><\/span>When should I refinance my medical school student loans?<\/h2>  <\/div>\n  <div id=\"collapse-7\" class=\"collapse\" aria-labelledby=\"heading-7\" data-bs-parent=\"#wci-accordion\" data-parent=\"#wci-accordion\">\n    <div class=\"card-body\">\n      <p class=\"mt-0\">Look to refinance your private student loans once you have graduated, started residency, and aren\u2019t pursuing loan forgiveness.<\/p>\n<h3>Medical School Loans During Residency<\/h3>\n<h4 class=\"mt-2\">If You Will Go for PSLF<\/h4>\n<p>If you are going for PSLF, then, if at all possible, stick with an IDR plan. If you finished borrowing prior to July 1, 2026, you\u2019ll need to choose carefully between IBR and RAP. If you borrowed a loan on July 1, 2026 or later, RAP will be your payment plan.<\/p>\n<h4>If You Are Unsure About PSLF<\/h4>\n<p>If you are not yet sure about PSLF, then, if at all possible, stick with RAP. Otherwise, run the numbers with reasonable assumptions and take your best guess between RAP and IBR (assuming you qualify for it).<\/p>\n<ul>\n<li>RAP is probably the better way to decrease interest accumulation if you're leaning toward paying the loans off.<\/li>\n<li>IBR may be a better option if you plan on forgiveness but have household income that will exceed your student loan balance.<\/li>\n<li>If you have a high earning spouse, both RAP and IBR allow for the exclusion of spousal income when filing taxes separately to keep your high-earning spouse\u2019s income from your student loan payment calculation.<\/li>\n<\/ul>\n<h4>If You Will Not Go for PSLF<\/h4>\n<p>If you are sure you're not going for PSLF, <a href=\"#chart\">then get refinancing quotes<\/a> ASAP from the recommended private refinancing list and compare them to your effective interest rate under RAP. Go with the lower rate, realizing that the variable rate may be the best deal, even with the additional risk.<\/p>\n<p><strong>More information here:<\/strong><br \/>\n<a href=\"https:\/\/www.whitecoatinvestor.com\/a-step-by-step-guide-to-refinancing-your-student-loans-during-residency\/\" target=\"_blank\" rel=\"noopener\">A Step-by-Step Guide to Refinancing Your Student Loans During Residency<\/a><\/p>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"card\">\n  <div class=\"card-header collapsed\" id=\"heading-8\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-8\" data-toggle=\"collapse\" data-target=\"#collapse-8\" aria-expanded=\"false\" aria-controls=\"collapse-8\">\n    <h2 class=\"mb-0 wci-h3-accordion-header\"><span id=\"How-much-can-you-save-by-refinancing?\"><\/span>How much can you save by refinancing?<\/h2>  <\/div>\n  <div id=\"collapse-8\" class=\"collapse\" aria-labelledby=\"heading-8\" data-bs-parent=\"#wci-accordion\" data-parent=\"#wci-accordion\">\n    <div class=\"card-body\">\n      <p class=\"mt-0\">By refinancing your medical school loans, you can save tens of thousands of dollars over the life of the loan, in addition to lowering monthly payments.<\/p>\n<p>Are you still asking yourself if it is worth it to refinance student loans? Not only can you save money by refinancing through our partners, but we\u2019ve also negotiated to get you cash back when you refinance through one of our links. And we\u2019ll throw in our flagship FYFA course ($799 value) at no additional cost if you private refinance at least $60,000 using our links.<\/p>\n<p><strong><a class=\"orange text-nowrap\" href=\"#chart\">See How Much You Can Save<\/a><\/strong><\/p>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"card\">\n  <div class=\"card-header collapsed\" id=\"heading-9\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-9\" data-toggle=\"collapse\" data-target=\"#collapse-9\" aria-expanded=\"false\" aria-controls=\"collapse-9\">\n    <h2 class=\"mb-0 wci-h3-accordion-header\"><span id=\"Which-student-loan-term-is-the-best-deal?\"><\/span>Which student loan term is the best deal?<\/h2>  <\/div>\n  <div id=\"collapse-9\" class=\"collapse\" aria-labelledby=\"heading-9\" data-bs-parent=\"#wci-accordion\" data-parent=\"#wci-accordion\">\n    <div class=\"card-body\">\n      <p class=\"mt-0\">If you want the lowest rate possible, that means you're going to have to commit to a variable five-year term and run the interest rate risk yourself. That means if interest rates go up dramatically soon, you may end up paying more in interest than if you had taken a fixed-rate loan.<\/p>\n<p>However, it's a risk worth running for anyone willing to commit to living like a resident for 2-5 years until the loans are gone. If rates only rise a little, or rise slowly, or don't rise for a few years (or at all), you're going to come out ahead. Once you run the numbers on just how much and how quickly rates have to rise for you to lose this bet, you will likely be much more comfortable with it.<\/p>\n<p>Also, if you're committed to living like a resident and getting out of debt quickly, you likely have A LOT of slack in your budget and can easily cover the worst-case scenario. Plus, you now have a little more motivation to live efficiently and get out of debt. A variable-rate loan not only gives you a mathematical tailwind to speed you to financial independence but a behavioral one as well.<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"card\">\n  <div class=\"card-header collapsed\" id=\"heading-10\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-10\" data-toggle=\"collapse\" data-target=\"#collapse-10\" aria-expanded=\"false\" aria-controls=\"collapse-10\">\n    <h2 class=\"mb-0 wci-h3-accordion-header\"><span id=\"How-do-I-refinance-my-medical-school-loans?-\"><\/span>How do I refinance my medical school loans? <\/h2>  <\/div>\n  <div id=\"collapse-10\" class=\"collapse\" aria-labelledby=\"heading-10\" data-bs-parent=\"#wci-accordion\" data-parent=\"#wci-accordion\">\n    <div class=\"card-body\">\n      <p class=\"mt-0\">The process to refinance your medical school student loans should be simple and only take a few weeks.<\/p>\n<ol>\n<li>Request quotes from a few of the companies on our recommended list. Initial applications won\u2019t hurt your credit score (soft credit check), and it\u2019s quick and easy.<\/li>\n<li>Compare each of the quotes.<\/li>\n<li>Determine how much you plan to pay each month toward your loans.<\/li>\n<li>Select the lender that provided the lowest interest rate and the shortest repayment length that you can afford.<\/li>\n<li>Proceed through the application with the selected lender.<\/li>\n<\/ol>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"card\">\n  <div class=\"card-header collapsed\" id=\"heading-11\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-11\" data-toggle=\"collapse\" data-target=\"#collapse-11\" aria-expanded=\"false\" aria-controls=\"collapse-11\">\n    <h2 class=\"mb-0 wci-h3-accordion-header\"><span id=\"Where-can-I-get-advice-about-my-student-loan-debt?\"><\/span>Where can I get advice about my student loan debt?<\/h2>  <\/div>\n  <div id=\"collapse-11\" class=\"collapse\" aria-labelledby=\"heading-11\" data-bs-parent=\"#wci-accordion\" data-parent=\"#wci-accordion\">\n    <div class=\"card-body\">\n      <p class=\"mt-0\">You don\u2019t need to go it alone! Navigating complicated and ever-changing student loan programs when such large numbers are at stake is a daunting DIY project, to say the least. That's why we created <a href=\"https:\/\/studentloanadvice.com\/\" target=\"_blank\" rel=\"noopener\">StudentLoanAdvice.com<\/a>, a White Coat Investor company created to help doctors, dentists, and other high earners tackle and defeat their student debt.<\/p>\n<p>Contact our experienced team to review your student loan situation, run the numbers and strategies available to you, and help you come up with an optimized plan. Get the personalized answers you need for one flat fee. You can do this, and we can help!<\/p>\n<p><a class=\"orange text-nowrap\" href=\"https:\/\/studentloanadvice.com\/book\" target=\"_blank\" rel=\"noopener\"><strong>Book Today!<\/strong><\/a><\/p>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"card\">\n  <div class=\"card-header collapsed\" id=\"heading-12\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-12\" data-toggle=\"collapse\" data-target=\"#collapse-12\" aria-expanded=\"false\" aria-controls=\"collapse-12\">\n    <h2 class=\"mb-0 wci-h3-accordion-header\"><span id=\"How-does-refinancing-student-loans-affect-taxes?\"><\/span>How does refinancing student loans affect taxes?<\/h2>  <\/div>\n  <div id=\"collapse-12\" class=\"collapse\" aria-labelledby=\"heading-12\" data-bs-parent=\"#wci-accordion\" data-parent=\"#wci-accordion\">\n    <div class=\"card-body\">\n      <p class=\"mt-0\">In IDR, married borrowers can generally reduce their student loan payments by separating their income and filing taxes Married Filing Separately. After loans are refinanced, however, monthly payments toward your now private student loans are based on the loan size, interest rate, and term instead of your income. Filing separately will no longer have the potential to reduce your payments. If you are married, you'll want to <a href=\"https:\/\/www.whitecoatinvestor.com\/student-loans-and-filing-status\/\" target=\"_blank\" rel=\"noopener\">file your taxes in the most advantageous way for your situation<\/a>, which is likely Married Filing Jointly.<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<p class=\"text-center mt-4\">If you are undecided about going for loan forgiveness or private refinancing, take a deep dive into our <a href=\"https:\/\/www.whitecoatinvestor.com\/ultimate-guide-to-student-loan-debt-management-for-doctors\/\" target=\"_blank\" rel=\"noopener\">Ultimate Guide to Student Loan Debt Management for Doctors<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<p><a name=\"compare\"><\/a><\/p>\n<section class=\"white pt-0\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-9 mx-auto\">\n<h2 class=\"text-darkblue\">Recommended Lenders Compared<\/h2>\n<div class=\"headline-underscore mb-5\"><\/div>\n<div class=\"row container\">\n  <div class=\"row lenderbox\">\n    <div class=\"col-lg-4 text-center\">\n      <a href=\"\/slr\/p\/sofi\" target=\"_blank\" rel=\"noopener\">\n        <img decoding=\"async\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/sofi-logo-blue-transparent-1112x228-1.png\" class=\"mb-4 img-fluid\">\n      <\/a>\n      <a href=\"\/slr\/p\/sofi\" target=\"_blank\" rel=\"noopener\" class=\"btn btn-primary mb-4\">More Info<\/a>\n    <\/div>\n    <div class=\"col-lg-8\">\n      <h3 class=\"text-blue\">SoFi\u00ae<\/h3>\n      <p>Many WCI readers have refinanced with SoFi\u00ae over the years because of their competitive rates and flexible payment terms. SoFi offers competitive rates with flexible terms for medical and dental professionals as well as residents. Additionally, SoFi offers a 0.25% autopay discount. There is no upper limit to the loans you can refinance, but certain minimums apply.<\/p>\n<p>Doctors and dentists with loan balances over $150,000 are eligible for our best refinance rate, not available to residents (You can only take the Doctor\/Dentist rate discount or the cash bonus, not both). Residents are able to refinance their loans with SoFi over the course of their residency (up to 54 months) and only pay $100 per month\u2021 (see terms).<\/p>\n<p><a href=\"https:\/\/www.whitecoatinvestor.com\/sofi-student-loan-refinancing\/\" target=\"_blank\" rel=\"noopener\">SoFi Terms and Conditions<\/a><\/p>\n    <\/div>\n  <\/div>\n  <div class=\"row lenderbox\">\n    <div class=\"col-lg-4 text-center\">\n      <a href=\"\/slr\/p\/earnest\" target=\"_blank\" rel=\"noopener\">\n        <img decoding=\"async\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/earnest-logo-color-transparent-585x140-1.png\" class=\"mb-4 img-fluid\">\n      <\/a>\n      <a href=\"\/slr\/p\/earnest\" target=\"_blank\" rel=\"noopener\" class=\"btn btn-primary mb-4\">More Info<\/a>\n    <\/div>\n    <div class=\"col-lg-8\">\n      <h3 class=\"text-blue\">Earnest<\/h3>\n      <p>Save money on your student loans by refinancing with Earnest. WCI readers receive a .25% rate discount. Choose custom terms to fit your budget\u2014like picking your exact monthly payment or selecting fixed and variable rates. Earnest allows you to customize your loan&#8211;choose your rate, term, and payment amount that works for your budget. Make a plan that fits your needs and start working your way out of debt. You won\u2019t be penalized for making payments early. Get $500* when you sign a loan with Earnest using links on this page and refinance loans &gt;$50K. (Can lend in DC and all states. Variable rates are not offered in AK, IL, MN, NH, OH, TN and TX. Bonus not available to residents of KY, MA, or MI.)<\/p>\n<p><a href=\"https:\/\/www.whitecoatinvestor.com\/earnest-student-loan-refinancing\/\" target=\"_blank\" rel=\"noopener\">Earnest Terms and Conditions<\/a><\/p>\n    <\/div>\n  <\/div>\n  <div class=\"row lenderbox\">\n    <div class=\"col-lg-4 text-center\">\n      <a href=\"\/slr\/p\/juno\" target=\"_blank\" rel=\"noopener\">\n        <img decoding=\"async\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2024\/09\/Juno-450x150-logo.png\" class=\"mb-4 img-fluid\">\n      <\/a>\n      <a href=\"\/slr\/p\/juno\" target=\"_blank\" rel=\"noopener\" class=\"btn btn-primary mb-4\">More Info<\/a>\n    <\/div>\n    <div class=\"col-lg-8\">\n      <h3 class=\"text-blue\">Juno<\/h3>\n      <p>Juno offers doctors an opportunity to refinance their student loans with exclusive benefits tailored specifically for medical professionals. Through Juno\u2019s group negotiation model, doctors can access discounted interest rates, reducing the overall cost of their loans and securing better terms than they would typically receive on their own.<\/p>\n<p>In addition to lower rates, Juno provides its members up to $1,000 in cash back bonuses when refinancing. This extra cash can be used to pay down debt faster or for other financial goals. Whether doctors are just finishing residency or are already established in their careers, Juno\u2019s refinancing options make it easier to manage student debt more effectively.<\/p>\n<p><a href=\"https:\/\/www.whitecoatinvestor.com\/juno-white-coat-investor-student-loan-refinancing\/\" target=\"_blank\" rel=\"noopener\">Juno Terms and Conditions<\/a><\/p>\n    <\/div>\n  <\/div>\n  <div class=\"row lenderbox\">\n    <div class=\"col-lg-4 text-center\">\n      <a href=\"\/slr\/p\/splash\" target=\"_blank\" rel=\"noopener\">\n        <img decoding=\"async\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2022\/12\/Splash_Logo_Black_72dpi_Logo-e1689201086761.png\" class=\"mb-4 img-fluid\">\n      <\/a>\n      <a href=\"\/slr\/p\/splash\" target=\"_blank\" rel=\"noopener\" class=\"btn btn-primary mb-4\">More Info<\/a>\n    <\/div>\n    <div class=\"col-lg-8\">\n      <h3 class=\"text-blue\">Splash Financial<\/h3>\n      <p>Splash Financial is a leader in student loan refinancing for doctors. They also offer a special refinancing program for residents and fellows, which allows you to pay only $100 a month during training which has a different range of rates that may be higher. Splash partners with credit unions, banks, and other leading lenders to offer competitive rates. Hundreds of WCI readers check rates through Splash each month. In as little as three minutes, you could get pre-qualified rates and it won\u2019t impact your credit score. There are no costs\u2014no application or origination fees and no prepayment penalties.<\/p>\n<p>The minimum borrowing amount is $5,000 and there is no maximum. If you refinance $100,000 or more, you are eligible to receive a $500 cash bonus. The bonus will be paid between 90-120 days after the loan closes and is available for first-time customers only. Bonus offer for WCI readers only if you use <a href=\"https:\/\/www.whitecoatinvestor.com\/d\/splash\" target=\"_blank\" rel=\"noopener\">our link<\/a>.<\/p>\n<p>*current rates may include autopay discount of 0.25%<\/p>\n<p><a href=\"https:\/\/www.whitecoatinvestor.com\/splash-financial-student-loan-refinancing\/\" target=\"_blank\" rel=\"noopener\">Splash Financial Terms and Conditions<\/a><\/p>\n    <\/div>\n  <\/div>\n  <div class=\"row lenderbox\">\n    <div class=\"col-lg-4 text-center\">\n      <a href=\"\/slr\/p\/credible\" target=\"_blank\" rel=\"noopener\">\n        <img decoding=\"async\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/credible-logo-color-transparent-465x106-1.png\" class=\"mb-4 img-fluid\">\n      <\/a>\n      <a href=\"\/slr\/p\/credible\" target=\"_blank\" rel=\"noopener\" class=\"btn btn-primary mb-4\">More Info<\/a>\n    <\/div>\n    <div class=\"col-lg-8\">\n      <h3 class=\"text-blue\">Credible<\/h3>\n      <p>Credible is not a lender, but a marketplace where lenders compete for your business. They\u2019ll show you actual prequalified rates from multiple lenders and they don\u2019t share your information with lenders until you choose the specific lender you want to pursue. Credible is free and easy to use with one simple form for 13 lenders. For medical residents, Credible also partners with multiple lenders that offer graduated repayment plans\u2014that means you can defer full payments until you complete your training .The minimum amount to refinance is $5K and with most companies there is no maximum. Use the link above and receive a $500* WCI bonus when refinancing through Credible. (*To receive the $500 welcome bonus, readers must refinance a balance equal to or greater than $100K. If refinancing a balance below $100K, readers are eligible for a $300 welcome bonus. Payment of any Welcome Bonus will occur either via a credit through TangoCard.com sent to the email address provided, as applicable, or by any other means determined by Credible.) ^Close with a better rate than you prequalify for on Credible and get a $200 gift card. <a href=\"https:\/\/www.whitecoatinvestor.com\/slr\/q\/crediblerate\" target=\"_blank\" rel=\"noopener\">Terms apply<\/a>.<\/p>\n<p><a href=\"https:\/\/www.whitecoatinvestor.com\/credible-student-loan-refinancing\/\" target=\"_blank\" rel=\"noopener\">Credible Terms and Conditions<\/a><\/p>\n    <\/div>\n  <\/div>\n  <div class=\"row lenderbox\">\n    <div class=\"col-lg-4 text-center\">\n      <a href=\"\/slr\/p\/laurelroad\" target=\"_blank\" rel=\"noopener\">\n        <img decoding=\"async\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/03\/KeyBank-logo-RGB-white-background.jpg\" class=\"mb-4 img-fluid\">\n      <\/a>\n      <a href=\"\/slr\/p\/laurelroad\" target=\"_blank\" rel=\"noopener\" class=\"btn btn-primary mb-4\">More Info<\/a>\n    <\/div>\n    <div class=\"col-lg-8\">\n      <h3 class=\"text-blue\">KeyBank<\/h3>\n      <p>For six years, White Coat partner, Laurel Road, has been part of the KeyBank family while continuing to operate as its own brand. Now, they\u2019re taking the next step by uniting Laurel Road under the KeyBank brand to offer you even more benefits, services, and financial resources \u2013 while keeping the personalized experience you love. KeyBank is one of the nation\u2019s largest\u00a0full-service\u00a0banks, offering banking, lending,\u00a0and student loan\u00a0solutions for healthcare professionals at every stage of their career.<\/p>\n<p>You must apply through the WCI links to access these benefits. If you apply via the links on this page and close a loan, you\u2019ll get paid $550<a href=\"https:\/\/www.whitecoatinvestor.com\/slr\/q\/laurelroad\" target=\"_blank\" rel=\"noopener\"><sup>+<\/sup><\/a>. They also have a resident refinancing program with $100 per month<a href=\"https:\/\/www.whitecoatinvestor.com\/slr\/q\/laurelroad\" target=\"_blank\" rel=\"noopener\"><sup>+<\/sup><\/a> payments during residency. KeyBank has a flexible total allowable residency\/fellowship period of up to 8 years depending on your specialty. Keep in mind, the maximum total loan length (residency and full repayment) cannot to exceed 25 years. There is no maximum borrowing amount. The minimum amount is $5000.<\/p>\n<p>Rates as of 01\/09\/25. Rates subject to change. Terms and conditions apply. All products subject to credit approval.<\/p>\n<p><a href=\"https:\/\/www.whitecoatinvestor.com\/laurel-road-student-loan-refinancing\/\" target=\"_blank\" rel=\"noopener\">KeyBank Terms and Conditions<\/a><\/p>\n    <\/div>\n  <\/div>\n  <div class=\"row lenderbox\">\n    <div class=\"col-lg-4 text-center\">\n      <a href=\"\/slr\/p\/elfi\" target=\"_blank\" rel=\"noopener\">\n        <img decoding=\"async\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2026\/03\/ELFI-padded.png\" class=\"mb-4 img-fluid\">\n      <\/a>\n      <a href=\"\/slr\/p\/elfi\" target=\"_blank\" rel=\"noopener\" class=\"btn btn-primary mb-4\">More Info<\/a>\n    <\/div>\n    <div class=\"col-lg-8\">\n      <h3 class=\"text-blue\">ELFI<\/h3>\n      <p>ELFI has come highly recommended from readers for low rates. They offer student loan refinancing and consolidation to both recent graduates as well as parents with Parent PLUS and private student loans. ELFI offers low rates even without the automatic payment discount that many lenders offer. Loan amounts start at $10,000 and up for qualified borrowers. ELFI offers repayment terms of 5, 7, 10, 15, and 20 years. These wide range of options provide borrowers with the flexibility they need to choose the optimal product to fit their budgets. Those with high income may opt for a shorter repayment term, saving them money over time. Those who want lower monthly payments, on the other hand, can choose a product with lower rates than they are currently paying. The minimum to refinance is $10,000. There is no maximum. For parents, ELFI offers repayment terms of 5, 7, and 10 years. They also offer Student Loan Advisors who are dedicated to each borrower providing individual assistance throughout the refinancing process.<\/p>\n<p>Refinance with ELFI and receive a bonus applied to your loan balance.\u00a0$400 for loans equal to or greater than $50,000* but less than $100,000.\u00a0$599 for loans equal to or greater than $100,000*.<\/p>\n<p>*Only one such bonus shall be paid per borrower regardless of how many loans taken out (please refer to their disclosure on the terms and conditions page below.) In the event borrower chooses to refinance multiple student loans rather than consolidating, bonus benefit will apply to the first completed and processed application resulting in a refinanced loan.<\/p>\n<p><a href=\"https:\/\/www.whitecoatinvestor.com\/elfi-student-loan-refinancing\/\" target=\"_blank\" rel=\"noopener\">ELFI Terms and Conditions<\/a><\/p>\n    <\/div>\n  <\/div>\n  <div class=\"row lenderbox\">\n    <div class=\"col-lg-4 text-center\">\n      <a href=\"\/slr\/p\/brazos\" target=\"_blank\" rel=\"noopener\">\n        <img decoding=\"async\" src=\"https:\/\/www.whitecoatinvestor.com\/wp-content\/uploads\/2021\/06\/brazos-logo-blue-260x47-1.png\" class=\"mb-4 img-fluid\">\n      <\/a>\n      <a href=\"\/slr\/p\/brazos\" target=\"_blank\" rel=\"noopener\" class=\"btn btn-primary mb-4\">More Info<\/a>\n    <\/div>\n    <div class=\"col-lg-8\">\n      <h3 class=\"text-blue\">Brazos Higher Education<\/h3>\n      <p>Start your Brazos refinance application through this page and you will get a $600 cash bonus after your loan funds! <strong>Texas residents only.<\/strong> Brazos is a nonprofit with over 45 years of experience with student loans. As a nonprofit, Brazos\u2019 rates can be better than the national lenders. The maximum refinance loan amount is $250,000 for borrowers with up to a bachelor's degree and up to $400,000 with a graduate, law, medical or other professional degree. The minimum amount to refinance is $10,000. If you\u2019re a Texan, visit <a href=\"https:\/\/www.whitecoatinvestor.com\/d\/brazos\" target=\"_blank\" rel=\"noopener\">studentloans.com<\/a> now and start saving.<\/p>\n<p><a href=\"https:\/\/www.whitecoatinvestor.com\/brazos-student-loan-refinancing\/\" target=\"_blank\" rel=\"noopener\">Brazos Terms and Conditions<\/a><\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"gray\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-10 col-xl-9 mx-auto\">\n<h2 class=\"text-darkblue text-center\">Other Student Loan Resources<\/h2>\n<div class=\"headline-underscore centered mb-3\"><\/div>\n<div class=\"row row-cols-2 row-cols-lg-4 g-2 g-lg-3 icon-table\">\n<div class=\"col\">\n      <a href=\"https:\/\/studentloanadvice.com\/\" target=\"_blank\" rel=\"noopener\"><br \/>\n       <i class=\"ikon ikon-online-courses ikon-orange ikon-md my-2\" alt=\"Online Courses\"><\/i><\/p>\n<p>Student Loan<br \/>Advice<\/p>\n<div class=\"text-gray text-decoration-underline\">Learn More<\/div>\n<p>      <\/a>\n     <\/div>\n<div class=\"col\">\n      <a href=\"\/student-loans-vs-investing\/\" target=\"_blank\" rel=\"noopener\"><br \/>\n       <i class=\"ikon ikon-student-loans-circle ikon-orange ikon-md my-2\" alt=\"Books\"><\/i><\/p>\n<p>Student Loan<br \/>vs. Investing<\/p>\n<div class=\"text-gray text-decoration-underline\">Learn More<\/div>\n<p>      <\/a>\n     <\/div>\n<div class=\"col\">\n      <a href=\"\/refinancing-student-loans-best-tips\/\" target=\"_blank\" rel=\"noopener\"><br \/>\n       <i class=\"ikon ikon-refinancing ikon-orange ikon-md my-2\" alt=\"Podcasts\"><\/i><\/p>\n<p>Refinancing<br \/>Tips<\/p>\n<div class=\"text-gray text-decoration-underline\">Learn More<\/div>\n<p>      <\/a>\n     <\/div>\n<div class=\"col\">\n      <a href=\"\/what-happens-to-your-refinanced-loan-in-the-event-of-death-or-disability\/\" target=\"_blank\" rel=\"noopener\"><br \/>\n       <i class=\"ikon ikon-disability-insurance ikon-orange ikon-md my-2\" alt=\"Blog\"><\/i><\/p>\n<p>Death or<br \/>Disability<\/p>\n<div class=\"text-gray text-decoration-underline\">Learn More<\/div>\n<p>      <\/a>\n     <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"Student Loan Refinancing Student loan debt is increasingly becoming a contributor to stress, burnout, and even suicide in doctors and other high-income professionals. Refinancing private student loans is a no-brainer anytime you can lower your interest rate, even as an intern. Direct federal student loans should be refinanced as soon as you decide not to [&hellip;]","protected":false},"author":1,"featured_media":34572,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-blank.php","meta":{"_acf_changed":false,"_wp_convertkit_post_meta":{"form":"-1","landing_page":"0","tag":"0","restrict_content":"0"},"footnotes":""},"class_list":["post-7404","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refinance Medical School Student Loans [Complete Guide] | The White Coat Investor<\/title>\n<meta name=\"description\" content=\"Refinance your medical school loans with confidence. 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