Refinance Medical School Loans

Medical student loan refinance for doctors, dentists, and more.

✓ Rates starting at 4.37% APR*: Our lowest rates (with all discounts).
✓ Flexible rates and terms: Choose the options that work best for you.1
✓ Earn $1,000 per referral: You’ll each earn a $1,000 bonus2 when their loan funds.

View your rate

BTW it's a soft inquiry, so it won't affect your credit score.

Rates start at just 4.49% 4.37% APR*
for doctors and dentists

Rate includes all discounts.

View your rate

✓BTW, it's a soft inquiry, so it won't affect your credit score.

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We know medical school loan refinancing.

$4.43B+
in refinanced medical student loans

20,341
borrowers who have refinanced their med student debt with SoFi

4.7/5 stars
on Trustpilot

*4.7/5 star rating based on 7,156 reviews as of October 19, 2023. See trustpilot.com/review/sofi.com for more info.

Refinance medical school loans with low fixed or variable rates.

Fixed

4.37% - 9.99% APR*

with all discounts

Variable

5.87% - 9.99% APR*

with all discounts

View your rate

BTW it's a soft inquiry, so it won't affect your credit score.

Not sure which to choose?
Learn more.

Medical professionals deserve
extra-special care.

Doctors

SoFi is an industry-leading lender for doctors.

Our lowest rates start at just 4.37% APR* (with all discounts) for doctors with loan balances over $150K.

Doctors

SoFi is an industry-leading lender for doctors.

Our lowest rates start at just 4.37% APR* (with all discounts) for doctors with loan balances over $150K.

Dentists

Our lowest rates will have you smiling ear to ear.

Dentists with loan balances over $150K can enjoy refinance rates starting at 4.37% APR* (with all discounts). Open up and say, “Wow!"

Dentists

Our lowest rates will have you smiling ear to ear.

Dentists with loan balances over $150K can enjoy refinance rates starting at 4.37% APR* (with all discounts). Open up and say, “Wow!"

Residents

Medical and dental residents can pay just $100 monthly.3

Make manageable payments on your student loans in residency so you can keep your focus on your program.

Residents

Medical and dental residents can pay just $100 monthly.3

Make manageable payments on your student loans in residency so you can keep your focus on your program.

Nurses

Nurses get quality care at SoFi.

Flexible med school refinancing options are available for nurse practitioners, RNs, and nurses with associate degrees.

Nurses

Nurses get quality care at SoFi.

Flexible med school refinancing options are available for nurse practitioners, RNs, and nurses with associate degrees.

©2017-2022 and TM, NerdWallet, Inc. All Rights Reserved.

Why refinance your medical student loans?

  • One easy payment

    Medical student debt consolidation simplifies the repayment process by combining your loans into one monthly payment.

  • Flexible rates and terms

    A refinanced med school loan means you can choose a repayment term and pick between a low fixed or variable interest rate based on your expected future income.

  • Earn $1,000 per referral

    Once you refinance with SoFi, you’ll be able to invite other doctors, dentists, or residents to refi too—you’ll each earn a $1,000 bonus2 when their loan funds. Learn more.

View your rate

BTW it’s a soft inquiry, so it won’t affect your credit score.†︎.

The average doctor
has
$241,600 in
student loans.

If the average percentage rate (APR) on those loans is 6.75% APR, that doctor could save $35,356 in interest if they qualify for and refinance into a 10 year fixed-rate loan with SoFi at 4.29% APR††
(with autopay).

Current
Loan

Amount
$241,600


Fixed Rate
6.75% APR


Term left
10 years


If refinanced with SoFi

Amount
$241,600


Fixed Rate
4.29% APR


Term left
10 years


Estimated savings with SoFi

$35,356

Get started

See payment examples

††Calculated payments example and savings are only estimates based on the following assumptions. This calculation assumes the borrower is refinancing a federal Grad PLUS loan with a 6.75% APR which is the average of Grad PLUS rates over the last 4 years. It assumes they are refinancing an average loan amount of $241,600 (medical)/$301,538 (dental) into a 10-year loan term with a fixed rate of 4.29% APR (with 0.25% autopay discount), and 120 total monthly payments of $2,480/$3,095. The SoFi APR is the average APR for borrowers who took out a student loan refinance loan from SoFi over the course of 2021-2022. Borrowers are not required to enroll in autopay. This calculation assumes the borrower made no payments during the current federal loan relief of 0% interest and no required payments which is set to expire on 8/31/22. When federal loan payments resume, this calculation assumes that the borrower’s federal monthly payment remains the same and the maturity date will be pushed out by the length of the federal loan relief. Any payments and savings may vary and will depend on the actual loan amounts and APR for which the borrower is approved.

Wondering how to refinance medical school loans?

Follow just three easy steps to get your medical student loans under control.

Get pre-qualified online.

Start by viewing your rate (it won’t affect your credit score). We’ll let you know if you’re qualified before you complete your 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 a screenshot of your student loan statement then sign your paperwork electronically.

View your rate

BTW it’s a soft inquiry, so it won’t affect your credit score.

Student debt guidance
for you.

Student debt guidance for you.

Get guidance on a med school loan refinance from a SoFi Student Loan Specialist who can help you manage the complexities of student loan debt, increase cash flow—and much more.

We’re available:
Monday–Thursday, 5am–7pm PT
Friday–Sunday, 5am–5pm PT

Schedule now

Medical School Loan Refinancing FAQs

Medical school graduates can refinance the student loans they used to pay for college or medical school. When you refinance, your student loans (including both federal and private student loans) are replaced with a new private student loan. Benefits of refinancing may include a lower interest rate, lower monthly payment, or the convenience of combining multiple loans into one. You may pay more interest over the life of the loan if you refinance with an extended term.
Yes, it’s possible to refinance your medical school student loans while you’re still in residency. You can find more information on medical resident refinancing here.
Yes, SoFi offers student loan refinancing for medical school graduates currently in residency or fellowship. You can find more information on medical resident refinancing here.
Upon completion or departure from your residency program, your loan will re-amortize and your payment amount will increase according to a fully amortized loan schedule.

See all FAQs

Ready for a med school loan refinance?

View your rate in two minutes to get started.

View your rate

BTW it's a soft inquiry, so it won't affect your credit score.

2Fixed rates range from 4.49% APR to 9.99% APR with 0.25% autopay discount and 0.125% SoFi Plus discount. Variable rates range from 5.99% APR to 9.99% APR with a 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 2/24/25 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, presence of a co-signer 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. You may pay more interest over the life of the loan if you refinance with an extended term.

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.