Physicians and Dentists refinance with SoFi

Fixed interest rates start at 5.49% 4.87% APR*  for Doctors and Dentists. 

with loan balances over $150K (rate includes all discounts). 

Low rates. No fees. Easy application. 

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

MEDICAL & DENTAL STUDENT LOAN REFINANCING

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Why SoFi?

THE WHITE COAT INVESTOR

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Job Code: UB20220914SLMED-WCI

No application or origination fees. No pre-payment penalties.

SoFi members get career coaching, financial advice, and more -all at no additional cost.

No fees, no catch

Access to member benefits

Simple online application and access to live customer support 7 days a week.

Save thousands of dollars thanks to flexible terms and low fixed or variable rates.

Fast, easy, and all online

Serious Savings

Serious Savings

Save thousands of dollars thanks to flexible terms and low fixed or variable rates.

Fast, easy, and all online

Simple online application and access to live customer support 7 days a week.

No fees, no catch

No application or origination fees. No pre-payment penalties.

Access to member benefits

SoFi members get career coaching, financial advice, and more -all at no additional cost.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and may be subject to other restrictions. Minimum loan amount of $5,000 unless required to be higher to comply with applicable law. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE.  SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

✝ 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.

Fixed rates range from 5.24% APR to 9.99% APR for borrowers with loan sizes over 150k with a 0.125% discount for Doctors and Dentists, and a 0.25% autopay discount. Variable rates from 6.24% APR to 9.99% APR for borrowers with loan sizes over 150k with a 0.125% discount for Doctors and Dentists, and  a 0.25% autopay 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). 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. These specialized rates are offered to applicants who are physicians or dentists with verified loan amounts of $150,000 or higher with the following degrees: Doctor of Medicine (MD), Doctor of Osteopathic Medicine (DO), Doctor of Medicine in Dentistry or Doctor of Dental Medicine (DMD), Doctor of Dental Surgery (DDS), Doctor of Optometry (OD), Doctor of Veterinary Medicine (DVM or VMD), Physician Assistant (MPA), Physical Therapy (MTP or DPT). Not available to residents, fellows, or students. 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. 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 discontinue and be lost for 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. You may pay more interest over the life of the loan if you refinance with an extended term.

Advisory services are offered through SoFi Wealth, LLC an SEC-Registered Investment Adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov