White Coat Investor
Medical & dental resident student loan refinancing
New, lower rates for physicians and dentists.
Fixed interest rates for residents now 0.125% lower—starting at 6.14% APR* (with all discounts). Plus, get a $500 welcome bonus from our partnership with White Coat Investor.^
Checking your rate will not affect your credit score.✝
Applying through the link above is required to receive the $500 bonus.
Partnered with
Why refinance your student loans in residency?
One easy payment
If you have federal and private student loans, you can apply to consolidate them into one easy payment.
$100 monthly payments during residency
You can reduce your payment to just $100/month for up to four years.1
See payment examples.
Flexible rates and terms
Choose a repayment term and pick between a competitive fixed or variable interest rate based on your expected future income as a physician.
Choose from low fixed or variable rates.
Not sure which to choose?
Learn more. →
How it works
Get pre-qualified online.
We’ll let you know if you’re qualified before you complete the full application.
Select your rate and term.
Compare the plans available to you with a choice of rates and terms.
Verify your info and sign.
Upload screenshots of your student loan statements, then sign your paperwork electronically.
Autopay Discount: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will be removed during periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.
SoFi Plus Discount: To be eligible to receive an additional (0.125%) interest rate reduction on your Student Loan Refinancing (your “Loan”) for enrolling in SoFi Plus, you must enroll in SoFi Plus within 30 days of Loan funding, either by receiving a Direct Deposit to your SoFi Checking and Savings account, or by paying the SoFi Plus Subscription Fee. Once eligible, you will receive this discount during periods in which you have received Direct Deposit to your SoFi Checking and Savings Account, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount lowers your interest rate but does not change the amount of your regular monthly payment. This discount will be removed during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid the SoFi Plus Subscription Fee. SoFi reserves the right to change or terminate this interest rate reduction offer for unenrolled participants at any time without notice. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to be eligible for Loan approval.
NOTICE: this loan type will likely result in negative amortization during the residency period; read more at SoFi.com/legal#medical-resident-slr-100
