Panacea Financial, a division of Primis Bank, deposit products:
FDIC-Insured – Backed by the full faith and credit of the U.S. Government

STUDENT LOAN
Refinance

Finally, refinancing designed for you. No maximums, no cosigner needed, and no charging you a higher rate because of your debt levels.

Start Your Application
No hard credit check required.

Physicians

Dentists

Veterinarians

Here’s A Better Financial Solution

Refinancing student loans is a common strategy to pay off debt. It can lower your interest rate, change your repayment terms, or reduce your number of monthly payments. If you aren’t eligible for a forgiveness program, refinancing could help you save over the life of your student loans.

Next steps:

Explore refinancing & gather required documents

Submit your application!

Finalize application with your Primary Care Banker

That’s it!

  • Explore refinancing & gather required documents
  • Submit your application!
  • Finalize application with your Primary Care Banker
  • That’s it!
Start Saving Now

Real Results

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Have questions?

Review our guide for a deeper dive into everything you need to know about your student loan options as a doctor.

Check Out The Guide

Resources

Federal Student Loan Updates: Key Changes Impacting Doctors in 2025

Federal Student Loan Updates: Key Changes Impacting Doctors in 2025

Latest update made on July 2, 2025 The federal student loan landscape is undergoing significant transformations in 2025 with changes and proposals that directly affect...

The world of student loans can be complex and overwhelming, leaving students, trainees and doctors with numerous questions. To shed light on this critical topic, we've compiled a list of frequently asked questions about student loans:

Understanding Student Loans: Frequently Asked Questions Answered

As the cost of medical, dental and veterinary school continues to rise, many prospective and current doctors find themselves burdened by significant student loan debt...

A question we get asked frequently is “Will my student loans prevent me from buying or opening my own medical, dental or veterinary practice?”

Do Student Loans Affect My Ability To Buy A Practice?

A question we get asked frequently is “Will my student loans prevent me from buying or opening my own medical, dental or veterinary practice?”  Doctors...

See More »

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Panacea Financial Holdings partners with Primis Bank, Member FDIC, to deliver banking services through its Panacea Financial Division.

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External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by Panacea Financial. Links are provided for informational purposes and should not be viewed as an endorsement
Fine Print

1. The APR and origination fee on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate and origination fee depends on credit score, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. We offer a 0.50% discount with auto-pay from a Panacea checking account and a 0.25% discount with auto-pay from a non-Panacea checking account. To check the rates and terms you qualify for, click “Get Started” and Panacea will conduct a soft credit pull to determine your possible rate and will not affect your credit score. Not all applicants qualify for the lowest rate or maximum loan amount; subject to credit approval.

2. Adverse Credit Event: two or more payments more than 30 days late, totaling more than $500, within the prior 6 months; accounts with a total outstanding balance greater than $1,000 that are 90 or more days delinquent as of the date of the credit report, or that have been placed in collection or charged off during the two years preceding the date of the credit report; default determination during the five years preceding the date of the credit report; bankruptcy discharge during the five years preceding the date of the credit report; repossession during the five years preceding the date of the credit report; foreclosure during the five years preceding the date of the credit report; charge-off/write-off of a federal student aid debt during the five years preceding the date of the credit report; wage garnishment during the five years preceding the date of the credit report; tax lien during the five years preceding the date of the credit report; consumer credit counseling within five years preceding the date of the credit report.

3. See the Refinance Disclosure for product information, rates, fees and other important product information.

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