last week · Updated
The Medical and Dental Resident Refinance Loan helps you manage student loan payments during residency or fellowship, when income is typically lower.
If eligible, you can refinance your existing student loans and make reduced monthly payments during your training, with full repayment beginning after your program ends.
This is a student loan refinance option for:
It allows you to replace existing student loans with a new loan designed for your training period.
With a Student Loan Refinancing:
With a Medical & Dental Resident Refinance Loan:
This structure helps align your payments with your expected income growth.
While in your residency or fellowship you’ll make reduced monthly payments of $100 a month. This helps keep payments manageable while your income is lower.
After your training ends your loan transitions into full repayment and your monthly payment will increase based on your loan terms
For details on how payments are calculated, see Understanding Payments & Interest for Medical & Dental Resident Refinance Loans
Yes! After completing your training, you may choose to refinance again based on your updated financial profile.
Most qualified education loans, including federal and private student loans, may be eligible.
For full eligibility details and restrictions, see Eligibility Requirements for Medical & Dental Resident Refinance Loans
You can choose from multiple repayment terms, which affect your monthly payment and total cost over time.
For a full breakdown, see Terms and Limits for Medical & Dental Resident Refinance Loans
This program may be a good fit if you:
Have more questions? Refer to our Troubleshooting Medical & Dental Resident Refinance Loan Help Center Article, Chat with us, or call 855-456-7634 to speak with an agent.