Medical & dental resident student loan refinancing

New, lower rates for physicians and dentists.

Fixed interest rates for residents now 0.125% lower—starting at 6.39% APR* (with Autopay). Plus, get a $500 welcome bonus from our partnership with White Coat Investor.^

Checking your rate will not affect your credit score.

Get a $500 welcome bonus when you fund a student loan refinance loan. $500 bonus not available for OH residents; med/dental refi loans not available in all states. SoFi reserves the right to modify or discontinue this promotion at any time without notice. See full terms and conditions.

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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 low fixed or variable interest rate based on your expected future income as a physician.

Choose from low fixed or variable rates.

Fixed Rate

6.39%–9.84% APR*

with autopay

Variable Rate

6.41%–9.86% APR*

with autopay

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.

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