fbpx

DENTAL SCHOOL
Loan Refinance

See how Panacea dental school loan refinancing compares to the competition.

Get Started
No hard credit check required.

The Panacea Difference

Transparent
Rates

No
Maximums

No
Cosigners

In-House
Servicing

24/7 Concierge
Desk

Primary Care
Banker

The “Other Guys” (SoFi, Laurel Road, Commonbond)

Must Apply
For Rates

Hidden
Maximums

Cosigners
Required

Outsourced
Servicing

Limited
Banker Hours

No Personal
Service

Dental School Loan Refinance Features

Loan Term Options

Know Your Rate Now
Forget “finding your rate” – with Panacea you know exactly what your rate is before you apply.

No Maximums & No Cosigner
You deserve our best offer simply because of who you are without any need for a cosigner or loan maximum.

Refinance For Dentists
Specifically crafted for student loan debt incurred to become a dental professional.

Apply Now

No hard credit check required.
Not sure where to start? Speak with a banker about your financial needs. >

Dental School Loan Refinance Calculator

Quickly calculate your monthly dental school loan payment amount by entering your loan amount and selecting a refinance term and rate. Then compare that to your current loan payments and timeline to see how Panacea can help!



See that Panacea’s rates do not change with anything but term – what you see is what you get!



Visit studentaid.gov to find out benefits and repayment options available to federal student loan borrowers before refinancing.

Explore Your Loan Repayment Options

No hard credit check required.

Real Results

Zuleyka Sanchez

Ross University School of Medicine | Forest Hills, NY
“

Panacea Financial has provided invaluable assistance with residency loans. Their consistent support and reliability throughout the entire process, and even after, have been remarkable. I am grateful to Panacea for assisting me in this crucial and financially challenging stage in my career.

Juan Manuel Martinez Diaz Granados

St. George's University | Miami, FL
“

Panacea provided an exceptional experience for incoming residents. While other companies rejected me for lacking “evidence of income,” Panacea took a holistic approach to my application. Unlike other financial institutions supposedly for medical professionals, they truly grasp our unique circumstances and are flexible in their approach. With Panacea, the process was seamless, and I felt understood and supported every step of the way.

Maye Mohamed, MD

Kaiser Permanente Northwest | Portland, OR
“

Right from the beginning, Panacea made everything a breeze. Together we developed a plan that aligned with my life and budget. They walked me through each step of the refinancing process with patience and clarity. Even after the deal was done, they continued to touch base over the years. There are no fines or hidden fees, just a straightforward approach.

See More »

FAQs

Why refinance your loan from dental school?

Refinancing your loans may make sense if you have private student loans, are not eligible for federal forgiveness programs (like PSLF) or are looking to reduce the cost of your loan.

Does Panacea refinance federal and private student loans?

Yes we do! If you are looking to refinance, we can also consolidate multiple loans from across your education.

When does my repayment start?

You can set your repayment start date during the loan closing process to make it more convenient on your monthly budget!

Can you use federal benefits after refinancing with Panacea?

No - After refinancing you will lose access to federal student loan benefits like forgiveness programs. Please check studentaid.gov/pslf for your eligibility.

Do I need a cosigner?

No! At Panacea we will never ask for a cosigner because we trust you as a doctor.

Do you service your own loans?

Yes! We believe in being there for you through your career. You will be able to contact your Primary Care Banker for all your servicing needs.

Still have questions?

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

Download Our Ebook

Resources

Cares Act guide for healthcare professionals

CARES Act for Healthcare Professionals

Just the facts The automatic deferment of federal student loan payments with no interest accrual is set to end  January 31, 2022. If you have...

Changes in federal student loan servicers

Changes in Federal Student Loan Servicers: Will Your Loans Be Impacted in 2022?

Just the facts A number of federal student loan servicers have announced their withdrawal from this role by the end of 2021. This shift could...

medical school loans

Biden Extends the Student Loan Payment Pause: What This Means for Your Medical and Dental School Loans

Just the facts The automatic deferment of federal student loan payments with 0% interest is now set to end May 1, 2022. This pause on...

See More »

Subscribe to monthly emails to stay up to date on news, resources, and products.

Panacea Financial logo

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

Trustpilot
Products
Field
Resources
About
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. All personal loans have a $100 origination fee. To obtain a new loan with Panacea Financial, you must also have a Panacea checking account; there is no fee to open the account, a minimum deposit of $25 required, and there is no minimum balance. Other fees and charges may apply, see this link for full terms and conditions. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate 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. All APRs assume a 0.50% discount with auto-pay from a Panacea Checking account. We offer a 0.25% discount with auto-pay from a non-Panacea checking account.  To check the rates and terms you qualify for, click “Apply Today” 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.  Total borrower maximum varies by stage of career and with credit score: In School maximum is between $1,000 – $10,000; In Training maximum is between $1,000 – $20,000; In Practice maximum is between $1,000 – $50,000. Panacea utilizes the Equifax credit bureau, with a FICO score minimum of 660 to qualify for a personal loan.

2. No payments during the first year. For a 5-year term, you make reduced payments in years 2 and 3 of the interest accrued in the first year, added to the monthly interest. Full amortization years 4 and 5. For a 7-year term, you make reduced payments in years 2 and 3 of the interest accrued in the first year, added to the monthly interest. Full amortization over years 4, 5, 6, and 7.

3. For a 3-year term, you make interest-only payments in years 1 and 2. Full amortization in year 3. For a 5-year term, you make interest-only payments in years 1, 2, and 3. Full amortization in years 4, and 5. For a 7-year term, you make interest-only payments in years 1, 2, 3, and 4. Full amortization in years 5, 6, and 7.

4. Interest-only payments during first 6 months of loan. Full amortization over remainder of loan.

5. 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.

Main Menu
Main Menu
Main Menu

Redirecting to Facebook

You are leaving Panacea Financial, and being directed to a third-party site that is not maintained, owned or operated by Panacea Financial.

Panacea Financial does not control and is not responsible for the site content or the privacy or security practices of third parties.

Please select "Continue" below!

Continue

Redirecting to Twitter

You are leaving Panacea Financial, and being directed to a third-party site that is not maintained, owned or operated by Panacea Financial.

Panacea Financial does not control and is not responsible for the site content or the privacy or security practices of third parties.

Please select "Continue" below!

Continue

Redirecting to LinkedIn

You are leaving Panacea Financial, and being directed to a third-party site that is not maintained, owned or operated by Panacea Financial.

Panacea Financial does not control and is not responsible for the site content or the privacy or security practices of third parties.

Please select "Continue" below!

Continue

Redirecting to Instagram

You are leaving Panacea Financial, and being directed to a third-party site that is not maintained, owned or operated by Panacea Financial.

Panacea Financial does not control and is not responsible for the site content or the privacy or security practices of third parties.

Please select "Continue" below!

Continue

Redirecting to YouTube

You are leaving Panacea Financial, and being directed to a third-party site that is not maintained, owned or operated by Panacea Financial.

Panacea Financial does not control and is not responsible for the site content or the privacy or security practices of third parties.

Please select "Continue" below!

Continue
Main Menu
Main Menu
Main Menu