{"id":7404,"date":"2014-11-12T23:26:18","date_gmt":"2014-11-13T06:26:18","guid":{"rendered":"https:\/\/www.whitecoatinvestor.com\/?page_id=7404"},"modified":"2025-11-25T13:32:55","modified_gmt":"2025-11-25T20:32:55","slug":"student-loan-refinancing","status":"publish","type":"page","link":"https:\/\/www.whitecoatinvestor.com\/student-loan-refinancing\/","title":{"rendered":"Student Loan Refinancing Guide"},"content":{"rendered":"
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Student Loan Refinancing<\/h1>\n
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\n Student loan debt is increasingly becoming a contributor to stress, burnout, and even suicide in doctors and other high-income professionals. Refinancing private student loans is a no-brainer anytime you can lower your interest rate, even as an intern. Direct federal student loans should be refinanced as soon as you decide not to go for Public Service Loan Forgiveness (PSLF) and find an interest rate lower than your effective rate.\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n

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Refinance Medical School Loans<\/h2>\n
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\n It is best to refinance medical school loans early and often<\/b>, any time interest rates drop or another company offers a lower rate than your current lender. If you refinance through the links on this page, you will also get a cash bonus. WCI gets advertising compensation from these companies when you use these links. It is a win-win. As you pay down your loans, your credit score and debt-to-income ratio will improve, possibly lowering your rate even further.<\/p>\n

Have you visited any of these lenders from a different website? Clear the cookies in your web browser before you click any of the WCI links below to ensure you are identified as a WCI reader (and get our best rates and bonus cash back).\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n

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Best Student Loan Refinance Companies<\/h2>\n
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\"\"<\/div><\/div>\n
Cash and Bonus<\/div>\n
up to $500*†<\/sup><\/div>\n
Rates<\/div>\n
Variable 5.87% - 9.99% APR
\r\nFixed 4.37% - 9.99% APR
\r\nwith all discounts<\/div>\n
Residents?<\/div>\n
Yes<\/div>\n
Get Started<\/div>\n <\/div>\n <\/a>\n <\/div>\n
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\"\"<\/div><\/div>\n
Cash and Bonus<\/div>\n
up to $1299*†<\/sup><\/div>\n
Rates<\/div>\n
0.25% rate discount
\r\nVariable 5.88% - 9.99% APR
\r\nFixed 4.49% - 9.99% APR
\r\n<\/div>\n
Residents?<\/div>\n
No<\/div>\n
Get Started<\/div>\n <\/div>\n <\/a>\n <\/div>\n
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\"\"<\/div><\/div>\n
Cash and Bonus<\/div>\n
up to $1799†<\/sup><\/div>\n
Rates<\/div>\n
Variable: 5.48% - 9.99% APR
\r\nFixed: 4.10% - 9.99% APR
\r\n<\/div>\n
Residents?<\/div>\n
Yes<\/div>\n
Get Started<\/div>\n <\/div>\n <\/a>\n <\/div>\n
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\"Splash\"<\/div><\/div>\n
Cash and Bonus<\/div>\n
up to $1299†<\/sup><\/div>\n
Rates<\/div>\n
Variable 4.86%-10.24% APR*
\r\nFixed 4.25%-10.24% APR*<\/div>\n
Residents?<\/div>\n
Yes<\/div>\n
Get Started<\/div>\n <\/div>\n <\/a>\n <\/div>\n
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\"\"<\/div><\/div>\n
Cash and Bonus<\/div>\n
$550†<\/sup><\/div>\n
Rates<\/div>\n
Variable 5.04%-9.05% APR
\r\nFixed 4.74%-8.75% APR<\/div>\n
Residents?<\/div>\n
Yes<\/div>\n
Get Started<\/div>\n <\/div>\n <\/a>\n <\/div>\n
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\"\"<\/div><\/div>\n
Cash and Bonus<\/div>\n
up to $1299*†<\/sup><\/div>\n
Rates<\/div>\n
^Best Rate Guarantee
\r\nVariable 4.20%-11.41% APR
\r\nFixed 3.99%-10.30% APR
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Residents?<\/div>\n
Yes<\/div>\n
Get Started<\/div>\n <\/div>\n <\/a>\n <\/div>\n
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\"\"<\/div><\/div>\n
Cash and Bonus<\/div>\n
up to $1398†<\/sup><\/div>\n
Rates<\/div>\n
Variable 4.74%-8.24% APR
\r\nFixed 4.88% - 8.44% APR<\/div>\n
Residents?<\/div>\n
No<\/div>\n
Get Started<\/div>\n <\/div>\n <\/a>\n <\/div>\n
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\"\"<\/div><\/div>\n
Cash and Bonus<\/div>\n
up to $1399†<\/sup><\/div>\n
Rates<\/div>\n
Variable 4.20% - 6.35% APR
\r\nFixed 4.39% - 6.70% APR
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Residents?<\/div>\n
No<\/div>\n
Get Started<\/div>\n <\/div>\n <\/a>\n <\/div>\n
\n ** White Coat Investor accepts advertising compensation from these companies. Page order does not guarantee best possible rate and terms.<\/span>\n <\/a>† Bonus includes cash rebates and value of free course. Borrowers who refinance more than $60,000 in student loans using the WCI links<\/a> will be enrolled in The White Coat Investor\u2019s flagship course, Fire Your Financial Advisor: ATTENDING<\/a> for free ($799 value). Borrowers will still receive the amazing cash rebates that WCI has negotiated with each lender. Offer valid for loan applications submitted from May 1, 2021 through April 30, 2026. Free course must be claimed within 90 days of loan disbursement. To claim free course enrollment, visit https:\/\/www.whitecoatinvestor.com\/RefiBonus<\/a>.<\/span>\n <\/div>\n<\/div>\n\n<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n
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Free Course Offer<\/h2>\n
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\n You can do this, and WCI can help! We want you to be successful, so we are giving anyone who refinances more than $60,000 in student loans through the WCI links free access to The White Coat Investor\u2019s Flagship course, Fire Your Financial Advisor: A Step by Step Guide to Creating Your Own Financial Plan<\/a>. Get amazing cash rebates that we have negotiated AND another $799 in value with the course. Join thousands of other professionals who have created their own financial plan with the help of The White Coat Investor.<\/p>\n

*Free course offer valid for loan applications submitted from May 1, 2021, through April 30, 2026. The course must be claimed within 90 days of loan disbursement. If you are already a customer of one of our partners, you may need to refi with a new partner to be identified as a WCI reader and be eligible for the free course. Course access instructions are sent out on a monthly basis.<\/em><\/p>\n

Get Free Course<\/a>\n <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n

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You Need a Student Loan Plan<\/h2>\n
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