Medical & dental resident student loan refinancing

New, lower rates for physicians and dentists.

Fixed interest rates for residents now 0.125% lower—starting at 6.14% APR^* (with all discounts). Plus, get a $500 welcome bonus from our partnership with White Coat Investor.^

Checking your rate will not affect your credit score.^✝

Applying through the link above is required to receive the $500 bonus.

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Why refinance your student loans in residency?

One easy payment

If you have federal and private student loans, you can apply to consolidate them into one easy payment.

$100 monthly payments during residency

You can reduce your payment to just $100/month for up to four years.¹
See payment examples.

Flexible rates and terms

Choose a repayment term and pick between a competitive fixed or variable interest rate based on your expected future income as a physician.

Choose from low fixed or variable rates.

Fixed Rate

6.14%–9.84% APR*

with all discounts

Variable Rate

6.14%–6.14% APR*

with all discounts

Not sure which to choose?
Learn more. →

How it works

Get pre-qualified online.

We’ll let you know if you’re qualified before you complete the full application.

Select your rate and term.

Compare the plans available to you with a choice of rates and terms.

Verify your info and sign.

Upload screenshots of your student loan statements, then sign your paperwork electronically.

Fixed rates range from 6.14% APR to 9.84% APR with 0.25% autopay discount and 0.125% SoFi Plus discount. Variable rates range from 6.14% APR to 6.14% APR with 0.25% autopay discount and 0.125% SoFi Plus discount. Unless required to be lower to comply with applicable law, Variable Interest rates will never exceed 13.95% (the maximum rate for these loans). SoFi rate ranges are current as of 3/29/25 and are subject to change at any time. Your actual rate will be within the range of rates listed above and will depend on the term you select, evaluation of your creditworthiness, income, years remaining in residency/fellowship and a variety of other factors. Lowest rates reserved for the most creditworthy borrowers. For the SoFi variable-rate product, the variable interest rate for a given month is derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). APRs for variable-rate loans may increase after origination if the SOFR index increases.

Autopay Discount: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. This benefit will be removed during periods in which you do not pay by automatic deduction from a savings or checking account. The benefit lowers your interest rate but does not change the amount of your monthly payment. This benefit is suspended during periods of deferment and forbearance. Autopay is not required to receive a loan from SoFi.

SoFi Plus Discount: To be eligible to receive an additional (0.125%) interest rate reduction on your Student Loan Refinancing (your “Loan”) for enrolling in SoFi Plus, you must enroll in SoFi Plus within 30 days of Loan funding, either by receiving a Direct Deposit to your SoFi Checking and Savings account, or by paying the SoFi Plus Subscription Fee. Once eligible, you will receive this discount during periods in which you have received Direct Deposit to your SoFi Checking and Savings Account, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount lowers your interest rate but does not change the amount of your regular monthly payment. This discount will be removed during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid the SoFi Plus Subscription Fee. SoFi reserves the right to change or terminate this interest rate reduction offer for unenrolled participants at any time without notice. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to be eligible for Loan approval. NOTICE: this loan type will likely result in negative amortization during the residency period; read more at SoFi.com/legal#medical-resident-slr-100

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify you must be a medical resident or fellow with up to seven years left in an approved program and meet all of SoFi’s underwriting and eligibility requirements. Minimum loan amount is $5,000. See SoFi.com/eligibility for details.

The minimum monthly payment of $100, while in residency period, may not pay all of the interest due each month, which will likely result in negative amortization during the residency period.

Notice: SoFi Refinance Student Loans are private loans. When you refinance federal loans with a SoFi loan, YOU FOREFIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE. Read more at SoFi.com/legal#medical-resident-slr-100. Information current as of 3/29/25 and subject to change. SoFi student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891. (www.nmlsconsumeraccess.org).

*The minimum monthly payment of $100, while in residency period, may not pay all of the interest due each month, which will likely result in negative amortization during the residency period. SoFi Medical Resident Refinance Student Loans are private loans. When you refinance federal loans with a SoFi loan, YOU FORFEIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE.

† To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

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