Medical School Loan Refinance | Rates from 3.74% APR* | Earnest
Refinance Medical School Loans
You care for others. We care for your med school debt.
Zero fees - no origination, application, or late fees. Plus special interest rate discount*.
Fixed
APR Starting at
Variable
APR Starting at
( including 0.25% Auto Pay discount )
Not all borrowers may qualify. For graduates with a DDS, DO, DVM, MD, PharmD, or other Graduate Medical degree and existing student loan balances greater than $100,000.
$26 billion
Total Student Loans Refinanced
460,000+
Happy Clients Earned
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Excellent — 4.7 out of 5
Common Refinancing Misconceptions
Must know info about medical student loan refinancing
Are you interested in learning how refinancing works and where to begin? Explore these common misconceptions about refinancing to dispel the myths on your path to financial freedom.
"You can only refinance medical school loans once"
"Medical school loan refinancing has hidden costs"
"All medical professionals qualify for Public Service Loan Forgiveness (PSLF)"
Why Earnest?
Here’s why our clients love us
"Exceptionally easy and fast process
Earnest does a great job of keeping you informed throughout the whole process through easy email updates."
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"The simplest process
There was no pressure and they addressed each of my questions and concerns before I signed anything. Easily the simplest process I've ever had regarding a loan."
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"Earnest rocks!
So easy, so transparent, and so kind! I love all the information they give within it that makes me feel informed and on top of my loan payments."
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"Thank you, Earnest!
This is the first company I have found that actually helps borrowers! I highly recommend it to anyone trying to lower their monthly payments and get out of debt once and for all!"
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"Definitely recommend
It was very easy to go through the whole process. I really could not believe how easy it was to use and get everything set up."
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"Refinanced in less than 5 mins
No hidden fees, a simplified loan agreement that’s easy to understand, and very fair fixed rates. I didn’t even think twice to finalize it."
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"Great company
Easy and quick process. They explained everything and answered questions I had throughout the whole process."
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"Painless transition
Painless transition of refinancing my student loans!! Excellent customer service!! I am so pleased I chose Earnest!!"
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"Great service!
I was able to speak with someone within 1 minute of my call. They were polite and answered every question I had. One of the best customer services!"
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"Great experience
The process was very simple and quick. Everything was explained very clearly, so I knew what I was doing throughout the whole process."
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Refinance Medical School Loans
Is refinancing right for you?
We want to make sure you understand all of your options so you can make informed decisions about your medical school student loans. Refinancing might be right for you if:
- You want to lower your monthly payments
- You want to minimize the total cost of your medical school debt
- You'd prefer to streamline multiple loans from medical school into a single payment
- You want the flexibility to refinance again if rates drop or your income increases as your career progresses
- You won't qualify for PSLF
- Your attending physician salary means you no longer benefit from federal income-driven repayment plans*
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Find a low interest rate
We work hard to give you low rates to help you pay off your debt faster.
Fixed
Starting at 3.74%APR
Variable
Starting at 5.43%APR
These are our lowest starting rates and contain our 0.25% Auto Pay discount from a checking or savings account. Some borrowers may see higher rates based on their credit. Variable rates not available in AK, IL, MN, NH, OH, TN, and TX.
Confused about student loan refinancing?
You’re not alone—over 90% of student loan borrowers who could potentially save by refinancing never do it. Our guide helps you understand what student loan refinancing is, how it works, and how to find out if it’s right for you.
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Why Earnest?
Why medical professionals choose Earnest to refinance
Get the speed, ease, and flexibility you need to pay down your medical school student loans. Plus, get the option to easily refinance again if rates drop later.
- Check your rate in minutes with no credit impact
- Apply in under 10 minutes
- No fees ever
- Choose how much you want to pay with up to 180 options
- Select monthly or biweekly payments
- Get an additional 0.25% off your lowest rate with Auto Pay
- Skip a payment without penalties
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How it works
Check your rate in minutes
See your qualifying rate with no credit impact
Submit an application
Complete your application online or over the phone to secure a low rate
Customize your loan
With up to 180 options to choose from