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Student Loan Refinancing

At The Prudent Plastic Surgeon, my goal is to help you navigate your financial well-being. This includes recommending good companies for student loan refinancing.

To do this, many of the products and services featured here and through the site may be from our affiliates and partners. Sometimes this means that I get paid when you use their services, at no extra cost to you.

I only will ever recommend financial resources that I have personally used or have vetted extensively and would choose to use myself!

Panacea Financial

student loan refinancing panacea financial

Panacea Financial is a nationwide digital bank built for doctors by doctors. As doctors themselves, they understand medical school refinance needs a custom approach to refinancing student debt. That is why they have four low fixed rates to choose from and do not consider your debt or income level when offering you their lowest rate unlike other companies. In addition they have:

  • No cosigners 
  • No maximums.
  • $100 payments while in training
  • Fully in-house servicing

Find out here how you can save on your student loans with refinance for doctors, by doctors.

Want to find out what other doctors are saying about Panacea Financial? Read their reviews here.

Panacea Financial is a division of Primis, Member FDIC.


student loan refinancing

I did my student loan refinancing through Credible. I shopped at a ton of different loan refinancing brokers and Credible was by far the best in terms of customer service as well as the rates that I received. If you are looking to refinance your student debt, I highly recommend using Credible. In fact, if you use the links included here and refinance with Credible, you can get up to $1,000 cash back*!

Here’s some more specific info about the advantages and perks of refinancing through Credible:

  • Actual prequalified rates from multiple lenders in 3 minutes.
  • Checking rates on Credible is free and will not impact your credit score.
  • Credible is an online marketplace that provides qualified borrowers with competitive, personalized loan offers from multiple, vetted lenders in real time.
  • Refinance federal, private and ParentPLUS loans.
  • You could lower your interest rate or reduce your monthly payment.
  • Compare prequalified rates from multiple, vetted lenders in as little as 2 minutes.
  • Checking your rates won’t affect your credit score.
  • Get your final offer in as little as 1 business day.
  • Credible’s partner lenders do not charge prepayment penalties, loan application fees, or origination fees.
  • Using Credible is free. Although our partner lenders do pay us a fee, the fee does not affect your loan terms or the loan amount you pay the lender.
  • Best Rate Guarantee. If we can’t find you the best student loan refinance rate, we’ll give you $200. See Terms.

*Welcome bonus is paid via e-giftcard


“Credible Operations, Inc. NMLS# 1681276, “Credible.” Not available in all states.”

110 Corcoran Street, 5th Floor, Suite 151 Durham, NC 27701

“Credible Operations, Inc. NMLS# 1681276, “Credible.” Not available in all states.

“All bonus payments are by gift card. See terms” 

“Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Rates and terms are subject to change without notice. Rates from Lenders may differ from prequalified rates due to factors which may include, but are not limited to: (i) changes in your personal credit circumstances; (ii) additional information in your hard credit pull and/or additional information you provide (or are unable to provide) to the Lender during the underwriting process; and/or (iii) changes in APRs (e.g., an increase in the rate index between the time of prequalification and the time of application or loan closing. (Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time). Lenders reserve the right to change or withdraw the prequalified rates at any time.”

Requesting prequalified rates on Credible is free and doesn’t affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.

 “We accept advertising compensation from companies that appear on this site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company lists on this page DO NOT imply endorsement. We do not feature all providers on the market.”

“We receive compensation from the companies below if you click on a link. Amount of compensation does not impact the ranking or placement of a particular product. Not all available financial products and offers from all financial institutions have been reviewed by this website. This content is not provided by Credible or any of the Providers on the Credible website. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by Credible.”