For a physician with high income and large student debt, which student loan refi company offers the best physician-specific terms and bonuses?

If you’re a high-income physician with a large student-loan balance, I’d put SoFi and Laurel Road at the top of the list, with Splash Financial as the best marketplace option. The “best” choice depends heavily on whether you’re still in residency/fellowship or already an attending.

My ranking

1. SoFi — best overall for a high-income attending

• Current medical/dental refinance rates start around 3.87% APR for highly qualified borrowers.
• Physician-specific referral offer currently provides $1,000 to both the referring physician and the new borrower when the conditions are met.
• Particularly attractive if you have high income, excellent credit, and a large balance, because the interest-rate difference matters much more than a $1,000 bonus.
• Main drawback: refinancing federal loans eliminates federal protections such as PSLF and income-driven repayment options.

2. Laurel Road — best physician-specific program for residents/fellows

• Its physician program has historically been particularly attractive during training, including a $100/month payment structure while in residency/fellowship.
• That makes Laurel Road especially compelling if you're still earning a resident/fellow salary rather than attending income. A recent physician-focused comparison continues to identify Laurel Road's resident/fellow program as one of its major advantages.
• Once you're an attending, however, I'd compare the actual rate against SoFi, Earnest and Splash rather than choosing Laurel Road automatically.

3. Splash Financial — best for shopping multiple physician offers

• Splash is a marketplace that compares offers from multiple lending partners rather than being limited to one lender.
• It currently advertises physician refinance rates starting at 3.99% fixed APR, although your actual offer can differ substantially.
• For residents/fellows, its medical refinance program can allow $100/month payments during training and for six months afterward, subject to its terms.
• Current bonus terms vary by channel and loan amount; Splash says qualifying welcome bonuses can require refinancing $30,000–$200,000, depending on the offer.

4. ELFI — worth getting a quote

• Current medical refinance rates start around 4.29% fixed / 4.74% variable.
• It is particularly worth checking for a high-balance borrower because ELFI is known for accommodating large loans.

The key point for a high-income physician

I'd not choose based on the bonus alone. On a $300,000 loan, for example, a lender offering a $1,000 bonus but charging 0.25% more costs roughly $750 in additional first-year interest—and the difference compounds.

For an attending with, say, $300k–$500k+ of debt, I'd do this:

SoFi → Laurel Road → Splash → ELFI → Earnest

Prequalify with all of them and compare the actual fixed APR, term, monthly payment, and total interest, rather than advertised starting rates.

One major caveat: if any of your debt is federal and you could benefit from PSLF or other federal protections, don't refinance it until you've established that giving those benefits up makes financial sense. Refinancing federal loans into a private loan permanently removes those federal benefits.

If you tell me your loan balance, current weighted-average rate, attending/resident status, specialty, and approximate income, I can calculate which lender is likely to save you the most—including the bonus—and show the break-even point between them.

For a high-income physician with a large student debt burden (assuming you are not pursuing Public Service Loan Forgiveness), refinancing can drastically lower your interest rate.

Because medical professionals have unique career trajectories (e.g., low-paying residency leading to a high-attending salary), several top refinancing lenders cater specifically to physicians with tailored terms—such as resident forbearance programs, $100/month in-training payments, and lucrative cash bonuses.

The top-tier companies offering the best physician-specific terms and cash bonuses include:

• Laurel Road
  • Why it's great for physicians: They are pioneers in medical-specific student loan refinancing. They offer specialized terms allowing residents or fellows to pay as little as $100 per month during their training (for up to 4–6 years depending on the program), preventing default or massive capitalization issues while allowing you to lock in low rates early.
  • Bonuses: Varies by partnership channel, but frequently ranges up to hundreds of dollars in cash back depending on the size of the refinanced balance. You can check current offerings directly via Laurel Road.
• SoFi (Social Finance)
  • Why it's great for physicians: SoFi is widely favored by high earners for having no hidden fees, high borrowing maximums (often covering the entire medical school balance), and strong unemployment/hardship protection policies. For residents, they permit a temporary $100/month payment option during residency and fellowship.
  • Bonuses: They feature specialized partner discounts (like through SoFi or affiliate networks like Physician Side Gigs) offering rate discounts (usually 0.25% via autopay) and targeted cash bonuses scaling with your loan volume.
• ELFI (Education Loan Finance)
  • Why it's great for physicians: ELFI has no maximum loan limit, making them ideal for doctors carrying massive $300k--$500k+ medical school debt loads. Every borrower gets assigned a dedicated Student Loan Advisor to navigate high-value refinancing.
  • Bonuses: ELFI offers tiered cash bonuses paid directly to your loan balance or as cash back, scaling up based on the total amount refinanced (e.g., solid bonuses for loans crossing the $50,000 and $100,000 thresholds). Review the details at ELFI.
• Splash Financial
  • Why it's great for physicians: As a digital lending marketplace connecting you to partner banks (like Laurel Road and PenFed), Splash lets you shop around with a single soft credit check to find the absolute lowest rate for high-balance medical debt. They also support resident-specific $100/month transitional payment tiers.
  • Bonuses: They routinely offer aggressive cash incentives (such as $500+ bonuses for large balances over $50,000). Compare options via Splash Financial.

Pro-Tip: Platforms like The White Coat Investor negotiate exclusive cash rebates and additional perks (such as free financial planning courses) specifically for medical professionals refinancing large blocks of student debt. Always check multiple lenders to leverage a "best rate guarantee".

If you'd like to narrow this down, let me know:

• Are you currently a resident/fellow or already an attending physician?
• What is your approximate total loan balance?

I can give you a better idea of which lender will yield the highest cash bonus and lowest net cost for your specific situation.

For a high-income physician with a large student-loan balance, I’d put Laurel Road at the top if you value physician-specific features, while Splash Financial is the one I’d use to aggressively shop the rate. SoFi is the strongest alternative if you value broader member benefits.

My ranking

Current 2026 comparisons show Laurel Road offering 5–20-year terms, physician/resident accommodations and a roughly $300 bonus; Splash advertises access to multiple lenders and physician-specific refinancing, with bonuses potentially reaching $1,000 depending on the offer.

The important distinction for a high-income attending

If you're already an attending with a high income, I wouldn't automatically choose the lender with the biggest cash bonus. On a $300k–$500k balance, a 0.25%–0.50% lower rate can be worth thousands or tens of thousands of dollars, dwarfing a $300–$1,000 bonus.

I'd do this:

1. Get a Laurel Road quote — particularly attractive if you want physician-specific treatment and/or previously benefited from residency provisions.
2. Run Splash Financial — because it can shop offers from its lending network rather than being limited to one lender. Its physician page currently advertises no application/origination/prepayment fees.
3. Get a SoFi quote — especially if you value its ancillary benefits. SoFi currently offers a 0.25% direct-deposit discount subject to its requirements.
4. Compare the actual APR and total interest, not the advertised starting rate or bonus.

One particularly important caveat: if any of the debt is federal, refinancing it into a private loan permanently gives up federal protections, including federal income-driven repayment and PSLF eligibility. So a high-income attending with purely private loans is a much cleaner refinancing candidate than someone with federal loans who may pursue forgiveness.

Bottom line:

• Best physician-specific terms: Laurel Road
• Best chance of finding the lowest rate + potentially biggest bonus: Splash Financial
• Best overall benefits for a high-income attending: SoFi
• Best strategy: Get soft-credit quotes from all three and let the lowest actual APR win; use the bonus as a tiebreaker.

*Bonuses and rates are promotional and can change; eligibility varies by borrower.

If you give me your approximate loan balance, current rate, attending income, credit score range, and whether the loans are federal or private, I can calculate which lender is likely to save you the most—including the value of the physician-specific benefits and bonus.

For high-earning physicians carrying a heavy medical school debt burden, specialized lenders offer tailored terms that traditional refinancing companies usually don't match—such as accounting for future attending physician salaries during underwriting, accommodating massive balance limits ($300k+), and providing resident-specific transitional terms.

The top platforms and companies competing for physician refinancing stand out with distinct advantages:

1. • Laurel Road (A Brand of KeyBank)
   • Best For: Comprehensive healthcare-tailored banking and flexible high-balance underwriting.
   • Physician Terms: They specialize heavily in medical professionals, allowing medical residents, fellows, and practicing physicians to qualify based on signed employment contracts (projected attending income) rather than a temporary training stipend. They also feature tailored options to make low, flat-rate or interest-only payments during residency, alongside standard borrower protections like death and disability discharge.
   • Bonuses: Frequently run cash-back refinancing promotions (often scaling with loan volume) and maintain robust referral programs.
2. • SoFi
   • Best For: Residents/fellows transitioning to attending status who want predictable, ultra-low transitional payments.
   • Physician Terms: SoFi features a dedicated Medical Resident Refinancing program allowing qualifying residents to pay just $100 per month for up to 7 years during their training, helping them keep payments manageable before their attending salary kicks in. They carry zero origination or application fees and support high loan maximums.
   • Bonuses: High-value cash bonuses fluctuate seasonally or via targeted partner links (frequently up to several hundred or a thousand dollars depending on total debt refinanced and referral networks).
3. • Splash Financial & Juno (Marketplaces/Group Negotiators)
   • Best For: Shopping multiple partner banks/credit unions at once to force lenders to compete for your high-value physician profile.
   • Physician Terms: Splash partners with a nationwide network of credit unions and banks to offer resident programs (such as $100/month payment options during residency) with zero application, origination, or prepayment fees. Juno uses a group-buying/collective negotiation model specifically targeted at medical professionals to secure exclusive rate discounts below standard public offerings.
   • Bonuses: Both platforms are known for offering lucrative cash-back or gift card sign-up bonuses (often ranging from $500 to $1,000) for large-balance refinancing (≥ $100,000) when using specialized white-coat or community partner links.

Note of Caution: If any portion of your large debt load is federal (Direct Loans), refinancing with any private company means permanently forfeiting federal safety nets, income-driven repayment (IDR) tracks, and Public Service Loan Forgiveness (PSLF). Only refinance if you are certain you will out-earn forgiveness options and can secure a significantly lower blended private interest rate.

To help narrow down the ideal platform, tell me:

• Are you currently a resident/fellow or an attending physician?
• Are your loans federal, private, or a mix of both?
• What is your approximate total debt amount?

For a high-income physician carrying a large student-loan balance, my current pick is SoFi, with Splash Financial as the strongest alternative if its lender marketplace produces a materially lower personalized APR.

Best physician-specific options

Why I'd lean SoFi for your scenario

The important distinction is that a physician with a high income doesn't necessarily need the lowest advertised rate alone. With a six-figure balance, the combination of rate, term, and physician-specific treatment can be worth much more than a small upfront bonus.

SoFi currently specifically advertises its medical-professional refinance product to doctors and says its lowest rates start at 3.87% for doctors with balances over $150,000. It also gives physicians a 0.125% physician discount, in addition to other potential discounts.

The $1,000 referral bonus is unusually attractive, although it's not a blanket $1,000 sign-up bonus—you need to refinance through the qualifying referral process and meet the funding/account requirements. Bonuses of $600+ may also be reported as taxable income.

One big caveat

If any of your debt is federal, don't automatically refinance it. Refinancing federal loans into a private loan permanently gives up federal benefits such as federal repayment/forgiveness programs. That's particularly important for a physician pursuing PSLF or another federal forgiveness strategy.

My strategy: get soft-credit quotes from SoFi + Splash + Laurel Road, then choose based on the actual fixed APR offered—not the advertised minimum. With, say, $250K–$400K of debt, even a 0.5% rate difference can be worth thousands of dollars per year.

If you give me your loan balance, current weighted-average rate, income, credit score range, and desired payoff term (5/10/15/20 years), I can calculate which lender/offer would likely save you the most.

When you have a high income paired with a large medical school debt balance, specialized medical professional refinancing programs can save you tens of thousands of dollars in interest.

The top refinancing companies offering physician-specific terms, distinct training-period accommodations, and competitive cash bonuses/discounts include the following market leaders:

• SoFi (Social Finance)
  • Physician Terms: Offers specialized medical professional refinancing, including a $100/month flat payment option during residency and fellowship training for up to 7 years. They feature zero fees (no origination, application, or prepayment fees) and accommodate very high loan balances.
  • Bonuses/Discounts: Frequently provides targeted rate discounts (such as a 0.25% discount through communities like Physician Side Gigs ) and robust referral cash bonuses (up to $1,000 per referral). High-balance aggregator sites like Student Loan Planner also pair cash rebates up to $1,000 depending on your funded amount.
• Laurel Road
  • Physician Terms: As a pioneer in healthcare professional refinancing, Laurel Road tailored its underwriting specifically for residents, fellows, and practicing physicians. They also offer the $100 monthly training payment program , allowing you to lock in low attending-level interest rates while still in training.
  • Bonuses/Discounts: Often features targeted partnership discounts and specialized customer service lines dedicated strictly to medical and dental professionals.
• ELFI (Education Loan Finance)
  • Physician Terms: Known for high borrowing caps and no hidden fees, ELFI assigns a dedicated, single Personal Loan Advisor to walk you through the complex high-balance refinancing process. This personalized touch is particularly helpful when managing hundreds of thousands in consolidated medical debt.
  • Bonuses/Discounts: Offers structured referral bonuses (ranging up to $400) alongside competitive fixed and variable rate tiers for high-earning attendings.
• Juno (Group Refinancing Platform)
  • Physician Terms: Rather than acting as a direct lender, Juno uses group-buying/negotiation power to force major refinancing partners to compete for medical professional business, securing rates typically 0.25% - 0.50% below standard public offerings.
  • Bonuses/Discounts: Delivers exclusive cash-back bonuses up to $1,000 upon successful funding of your medical refinancing package.
• Splash Financial
  • Physician Terms: Acts as a marketplace lender letting you compare multiple customized physician offers via a single soft credit pull. Their physician-tailored products often match the $100/month residency payment while adding an extended grace period after training ends before full principal-and-interest amortization kicks in.

Critical Warning Before You Refinance

Never refinance federal loans if you are pursuing Public Service Loan Forgiveness (PSLF) . Refinancing federal loans into a private refinance product permanently strips away eligibility for federal forgiveness programs. Only proceed with refinancing if you are an attending in private practice, have a high debt-to-income ratio where PSLF doesn't make mathematical sense, or are strictly refinancing existing private medical school loans.

To help narrow down the ideal choice, let me know:

• Are you currently a resident/fellow or a practicing attending physician?
• Are you looking to clear out federal or private loans?

For a high-income physician with a large student debt burden (often $200,000 to over $500,000), choosing the right refinancing lender depends on balancing competitive interest rates, high-tier cashback/cash bonuses , and specialized forbearance or residency transition terms.

Because large balance amounts (≥ $100,000 or ≥ $150,000) unlock the highest cash bonuses, several standout lenders and group platforms compete heavily for medical professional business.

Top Student Loan Refinancing Options for Physicians

• SoFi (Social Finance)
  • Best for: Overall career perks, large loan balances, and community-partner discounts.
  • Physician Terms: Offers dedicated medical professional refinancing with flexible repayment and forbearance options. If you are still in training (residency/fellowship), they offer a tailored program allowing nominal payments (e.g., $100/month) for up to 7 years.
  • Bonuses: SoFi frequently runs tiered cash bonuses scaling with loan size (up to $1,000 for large balances ≥ $200,000). They also partner with physician networks like Physician Side Gigs to provide an exclusive 0.25% rate discount.
• ELFI (Education Loan Finance)
  • Best for: Personalized customer service and high-tier cash bonuses on large balances.
  • Physician Terms: Assigns a dedicated Personal Loan Advisor to manage your large balance and offers up to 12 months of forbearance or deferment options if needed. No application, origination, or prepayment fees.
  • Bonuses: ELFI is known for aggressive refinancing cash bonuses, scaling past standard offers up to $1,099+ for refinancing larger debt loads (≥ $150,000).
• Laurel Road
  • Best for: Tailored healthcare and resident-specific options.
  • Physician Terms: A pioneer in medical professional and resident refinancing, allowing $100/month payments during residency/fellowship. They understand complex high-income W-2 or signed attending contracts early.
  • Bonuses: Regularly features customized rate discounts and cash bonuses for healthcare professionals, though exact promotional amounts fluctuate quarterly.
• Splash Financial / Credible (Marketplace Platforms)
  • Best for: Comparison shopping and rate-matching.
  • Physician Terms: Rather than a single bank, these platforms let you compare multiple underlying lenders (banks and credit unions) simultaneously with a soft credit check. They feature resident programs ($100/month during training) and connect you with specific institutional lenders.
  • Bonuses: Often provide cash incentives or gift card bonuses (ranging from $500 to $1,000+ depending on the total refinanced volume and partner networks like WCI or Physician Side Gigs).
• Juno (Group Refinancing Platform)
  • Best for: Group-negotiated rate discounts.
  • Physician Terms: Juno aggregates high-income medical and dental professionals to leverage group buying power, forcing partner lenders to bid lower than standard public retail rates.
  • Bonuses: Members gain access to negotiated cash-back bonuses (up to $1,000) on top of reduced APRs.

Crucial Checklist Before You Sign

1. Confirm PSLF Status: Never refinance federal medical school loans if you are pursuing Public Service Loan Forgiveness (PSLF) through a 501(c)(3) or non-profit academic medical center. Refinancing turns federal debt into private debt, permanently forfeiting forgiveness.
2. Maximize Stacking: Always check if your medical community membership (White Coat Investor, Physician Side Gigs , state medical societies) has a dedicated tracking link to stack a 0.25% rate discount or an extra cash bonus on top of the lender’s baseline offer.

If you can share your approximate total debt balance , whether you are still in residency/fellowship or practicing as an attending , and whether your loans are federal or private , I can help you evaluate which specific lender has the highest current cash bonus payout for your exact scenario.

For a high-income physician with a large student-loan balance, I’d put SoFi at the top of the list to quote, but I would also get a quote from KeyBank/Laurel Road because physician-specific pricing can beat the headline rates.

My ranking for a physician

Why I'd start with SoFi

SoFi currently advertises physician fixed rates starting at 3.87% APR with all discounts for doctors with balances over $150,000. Its medical-professional program specifically provides a doctor/dentist rate discount, and it has flexible repayment terms.

For a physician with, say, $250,000–$400,000 of debt, the interest-rate difference matters far more than a $500–$1,500 bonus. A 0.25% lower rate can easily be worth several thousand dollars over the life of the loan.

So I'd use the bonus as a tie-breaker, not the primary criterion.

One important wrinkle: KeyBank/Laurel Road

Laurel Road has now been folded into KeyBank, but KeyBank continues to market physician-specific financial solutions, including student-loan refinancing.

Historically, Laurel Road was particularly aggressive with physicians; however, recent industry analysis suggests its pricing advantage has narrowed.

So for a physician, I'd absolutely obtain a KeyBank/Laurel Road quote, but I wouldn't assume it wins just because it's physician-focused.

If you're an attending with $200k+ debt

My practical strategy would be:

1. Get a SoFi physician quote.
2. Get a KeyBank/Laurel Road physician quote.
3. Get an Earnest quote to establish a rate/bonus benchmark.
4. If you're still in residency/fellowship, also check Splash.
5. Compare the actual APR and total interest, not just the advertised starting rate.
6. Use the best competing offer to see whether another lender will improve its rate.

For a $300k+ balance, I'd happily give up a $1,000 bonus to get a rate that's 0.25–0.50 percentage points lower.

Big caveat: If any of the debt is federal and you might pursue PSLF or income-driven repayment, don't refinance it until you've modeled the value of those benefits. Refinancing federal loans into a private loan permanently eliminates the federal protections.

Bottom line: SoFi is my current first quote for a high-income attending physician, while KeyBank/Laurel Road is the physician-specific competitor I'd most want to challenge it with. If you're a resident/fellow, Splash becomes considerably more interesting because of its unusually favorable training-payment structure.

If you give me your loan balance, current weighted-average rate, attending salary, specialty, and whether you're pursuing PSLF, I can calculate which offer would likely save you the most—including the bonus.

For a high-income physician with a large student-loan balance, I’d put SoFi first for an attending, while Citizens is especially compelling for a resident/fellow. Splash is worth getting a quote from because it shops multiple lenders.

My ranking for physicians

SoFi: Its current medical-professional refinancing page shows fixed rates of 3.87%–9.99% APR and variable rates of 5.62%–9.99%, with the ranges current as of June 2, 2026. More importantly for a physician, SoFi explicitly supports medical-school debt and offers a $1,000 referral bonus to both the referring physician and the new borrower when the loan funds.

Citizens: This is unusually physician-specific. Its Medical Residency Refinance Loan lets residents/fellows make $100/month payments during training, with the program potentially lasting up to four years plus a six-month grace period. You can refinance up to $750,000 for a professional degree, and Citizens offers up to 0.50 percentage points in rate discounts through autopay and loyalty.

Splash: Rather than being a single lender, Splash shops offers from its lending-partner network. Its physician page currently advertises rates starting around 3.99% fixed, although the exact offer depends heavily on underwriting. Its referral program currently pays $200 when a referred friend successfully refinances, plus smaller rewards for rate checks.

For your particular profile

If you're already an attending with high income, I wouldn't choose based on the bonus. On a $300,000 balance, for example, a 0.25% lower rate is worth roughly $750 in interest in the first year alone, and the difference compounds. A $1,000 bonus can easily be outweighed by a modestly better rate.

I'd therefore:

1. Get a SoFi quote.
2. Get a Splash quote to see what its lender network produces.
3. Get a Citizens quote, particularly if you have a Citizens account and can receive the loyalty discount.
4. Compare the actual APR, not advertised starting rates, for the same balance and repayment term.

One major caveat: don't refinance federal loans simply because the private rate is lower if you might benefit from PSLF or other federal protections. Refinancing federal loans into a private loan permanently gives up those federal benefits.

Bottom line: SoFi is my pick for a high-income attending physician; Citizens is my pick for a resident/fellow; Splash is the one I'd use to make sure neither is beating you on rate.

If you give me your loan balance, current blended interest rate, specialty, attending vs. resident status, and desired payoff period (e.g. 5/10 years), I can calculate which lender is likely to save you the most—including the bonuses.

For high-earning physicians carrying a massive student debt load (often≥$2 0 0,0 0 0 ), several major refinancing options stand out because they cater specifically to medical professionals, offering tailored terms (like low in-training payments) and lucrative cash-back bonuses.

Because public marketplaces and group-buying platforms frequently update their promotions, the top contenders break down as follows:

• SoFi (Social Finance)
  • Physician-Specific Terms: Offers specialized medical professional refinancing. If you are still in a residency or fellowship, they allow a reduced flat payment (such as$1 0 0 /month) for up to several years during training, though transitioning to attending physician income means standard high-balance amortizations kick in. They also charge zero application, origination, or prepayment fees.
  • Bonuses: SoFi frequently partners with physician communities (like Physician Side Gigs ) or financial broker platforms to offer rate discounts (e.g., a 0.25% rate reduction) and cash referral or signup bonuses up to$1,0 0 0 depending on the aggregate loan size.
• Splash Financial
  • Physician-Specific Terms: Acts as a lending marketplace partnering with specific banks/credit unions that specialize in medical debt. They feature tailored resident programs (sometimes as low as$1 /month or nominal payments during training) and handle large loan aggregates common with doctor debt (often well over$3 0 0,0 0 0).
  • Bonuses: Through group-negotiation pipelines like Juno's Medical Refinance Program or medical student platforms, Splash frequently unlocks tier-based cash-back bonuses (e.g.,$5 0 0 for$5 0,0 0 0–$1 5 0,0 0 0 refinanced, and up to$1,0 0 0 for amounts exceeding$1 5 0,0 0 0).
• Juno (Group Negotiated)
  • Physician-Specific Terms: Juno is not a direct lender; rather, it aggregates medical professionals to leverage group-buying power. They negotiate directly with primary lenders (like Splash Financial or others) to secure exclusive lower fixed/variable interest rate floors specifically customized for doctors.
  • Bonuses: Members gain access to exclusive cash-back bonuses up to$1,0 0 0 upon successful loan funding that wouldn't normally apply via standard retail applications.
• Citizens Bank
  • Physician-Specific Terms: The Citizens Medical Residency Refinance Loan is robust, allowing a$1 0 0 fixed monthly payment during residency or fellowship for up to 4 to 7 years. They allow high borrowing caps (up to$7 5 0,0 0 0 ), covering the entirety of combined medical/dental school costs without charging service or origination fees.
  • Bonuses: Periodic loyalty discounts if you hold other accounts with Citizens, though direct cash bonuses are smaller or require specific promotional links compared to marketplace brokers.
• ELFI (Education Loan Finance)
  • Physician-Specific Terms: Assigns a dedicated personal loan advisor to navigate high-balance refinancing. While less tailored to micro-payments during residency than SoFi or Citizens, they offer highly competitive fixed APR tiers for high earners post-residency.
  • Bonuses: Offers scaled cash-back refinancing bonuses (e.g., up to$1,0 9 9 or more for large refinancing thresholds≥$1 5 0,0 0 0).

Critical Warning Before Refinancing

If any portion of your large student debt is federal and you are tracking or even considering Public Service Loan Forgiveness (PSLF) via a 501(c)(3) non-profit hospital, residency, or academic institution, do not refinance . Refinancing federal loans into a private refinancing product permanently strips away federal borrower protections, IDR plans, and eligibility for PSLF. Only refinance if you are entering private practice or a non-qualifying system and are certain private refinancing yields a lower net cost.

To help narrow down the ideal lender and bonus structure for you, share:

• Your approximate total loan balance
• Whether you are still in residency/fellowship or practicing as an attending
• If you are 100% sure you want to forgo federal/PSLF paths