If you do decide to refinance some or all of your loans, I would appreciate it if you would use the links on the site.
It is a significant source of revenue for us and I have negotiated a special deal with many of the companies for you that you cannot get by going to them directly.
Rates and terms change as they compete with each other.
Splash – $250-1000 back to you They offer a great resident program.
ELFI – $325 back to you Low rates, lots of options, happy customers, nice bonus….what’s not to like?
Our Public Service Loan Forgiveness page has basic information and answers to common questions about the program.
Here you’ll find more detailed questions and answers.
Step 2 is to refinance all private loan debt and enter the Re PAYE program (assuming you can make the payments) with your federal debt.
Step 3 is to refinance your private loans again (you should get a better rate upon residency graduation) and decide whether or not to go for PSLF. If so, go into IBR or PAYE (which cap payments at a 10 year standard repayment- Re PAYE does not.) Step 4 is to live like a resident until the loans are gone.
Common Bond – 0 back to you Long-time player, no maximum loan amount, they do Parent PLUS loans too.
Credible -0 back to you The “Kayak” of student loan refinancing- apply with multiple companies with one application.
Even if you expect PSLF, live like a resident anyway until you save up enough money on the side that you can pay off the debt in case PSLF goes away (or is capped) and you aren’t grandfathered in.
Refinancing Loans The student loan refinancing landscape is constantly changing. There are now 20 or more total lenders in this space.
If you’re now an attending (or soon will be) you can start at the bottom left, with residency graduation.