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

MEDICAL SCHOOL
Loan Refinance

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

Get Started
No hard credit check required.

The Panacea Difference

Fixed
Rates

No
Maximums

No
Cosigners

In-House
Servicing

24/7 Concierge
Desk

Primary Care
Banker

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

Hidden
Maximums

Cosigners
Required

Outsourced
Servicing

Limited
Banker Hours

No Personal
Service

Medical School Loan Refinance Features

Fixed Rates
Rates as low as 5.49%.1

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 Physicians
Specifically crafted for student loan debt incurred to become a medical professional.

Apply Now

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

Medical School Loan Refinance Calculator

Quickly calculate your monthly medical 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

See More »

Have questions about student loans?

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

FAQs

Does Panacea Financial refinance podiatry school loans?

Yes! Panacea is proud to offer podiatrists our full suite of banking services, including student loan refinance.

Why refinance your loan from medical or podiatry school?

Refinancing your loans from medical or podiatry school may make sense if you have private student loans, are not eligible for federal forgiveness programs (like PSLF).

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. This can be used for medical school, podiatry school, undergraduate, and graduate school loans!

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.

Resources

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...

Understanding Your IDR Options

Understanding Your IDR Options

Note: Public Service Loan Forgiveness and Income-Driven Repayment may be changing. Learn the latest updates » Did you know about 42.7 million Americans have federal...

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. 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.

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