Recommended Student Refinancing 

"Hey ODs on Finance Community! 

We are super excited to share this amazing financial resources with our fellow peers. After months of negotiating (lots of lunch meeting between patients) and by leveraging the massive size of our community, we were able to advocate some of the best term rates and highest cash back bonuses for all ODs on Finance members/users looking to refinance their student loans.

Feel free to share with your fellow colleagues! We know you probably have a million questions, so please read the guides below and as always, we are always available for one-on-one help if you need any guidance!" 

-Dat & Aaron | Co-founders 

DAT2

Dr. Dat Bui O.D

CEO | Co-Founder
Aaron

Dr. Aaron Neufeld O.D

COO | Co-Founder

Need Help on How to Manage your Student Loans?

FREQUENTLY ASKED QUESTIONS ABOUT STUDENT LOAN REFINANCING

Want to Compare Lenders and Rates?

Financial Disclosure Some of the links below are affiliate links, meaning, at no additional cost to you, we will earn a commission if your application is approved. Any profits are used to fund our site and books to help educate future young doctors in achieving their financial freedom

Splash Financial: $1000*


Benefits: 

Requirements: 

  • Resident okay
  • All States eligible
  • Loan amounts: $25,001 to $500,000
  • Typical credit score: 700+
  • 2 years of 1099 History required 

Credible: $1200*


Benefits: 

Requirements: 

  • Residents Okay
  • All States eligible
  • Typical credit score of approved borrowers or co-signers: 700+

 

 Laurel Road: 0.25% AOA Discount or $1000 Bonus*


Benefits:

  • $300 for refinancing 50k to 100k, $1,000 for refinancing over 100k, OR professional AOA discount if desired* 
  • For a limited time, get a $300 cash bonus with $2,500 in direct deposits.3 When you open a Laurel Road Checking℠ account during your student loan refinancing, you’ll qualify for an introductory 0.25% off your interest rate for the first 3 months. After that, your interest rate discount will vary based on your total monthly direct deposit amount – you could lower your student loan refinancing rate by up to 0.55%


  • Up to 12 months of forbearance is available5

  • Academic deferment, military deferment, forbearance | Loans are discharged on death or disability | Cosigner release (36 months): YES


  • Approval: Must be a U.S. citizens or permanent resident. Permanent residents must have a valid I-551 card (green card)

  • *Laurel Road Legal Disclaimer: Please Read for more details

Requirements: 

  • All States eligible
  • Loan Amount: $5,000 up to your total outstanding loan balance
  • Typical credit score of approved borrowers or co-signers: 650+
  • 1099: Doctors/Optometrists are underwritten as healthcare employees and as such we do not have a 2 year self-employment requirement

LendKey: $400-750*


Benefits: 

Requirements: 

  • All States eligible except for  NV, ME, ND, WV, RI.
  • Loan amounts: $5,000 to $300,000, depending on the highest degree earned
  • Typical credit score of approved borrowers or co-signers: 751+

SoFi: 0.25% Discount


Benefits:


  • No extra fees: No application fees, no origination fees, and no prepayment penalties for paying off your loan early


  • Guaranteed Rate Match: SoFi will offer the lowest student loan refinance rates a qualified borrower finds; if a competitor offers a lower rate, they will match it and give you $100 when your loan is funded for your trouble of having to upload docs and complete the funding process.

  • Academic deferment, military deferment, forbearance | Loans are discharged on death or disability | Cosigner release: No


  • Approval for visa holder (E-2, E-3, H-1B, J-1, L-1, or O-1)

  • *Sofi Legal Disclaimer: Please Read for more details

Requirements: 

  • All States eligible
  • Loan Amount: $5,000 up to your total outstanding loan balance
  • Typical credit score of approved borrowers or co-signers: 700+

Earnest: $300 Bonus*


Benefits: 

  • Analysis of information beyond your credit score, Earnest can provide an instant rate estimate using  data other lenders don’t, such as your savings patterns, investments, and career trajectory—to give you the best possible rate

  • Academic deferment, military deferment, forbearance | Loans are discharged on death or disability | Cosigner release: No


  • $300 Bonus* Must refinance greater than $100K using Earnest via our link

Requirements:

  • All States eligible except for  NV, ME, ND, WV, RI.
  • Loan amounts: $5,000 to $300,000, depending on the highest degree earned
  • Typical credit score of approved borrowers or co-signers: 751+

 

Brazos: $600 Bonus*


Benefits:

  • No extra fees: Transparent pricing, zero fees, and some of the best rates available due to non-profit status
  • Military deferment, forbearance | Loans are discharged on death or disability | Cosigner release: No
  • *Brazos Legal Disclaimer: Please Click here to Read

Requirements: 

  • Texas Resident only 
  • Minimum loan amount: $10,000, up to $500,000 with a graduate degree
  • Typical credit score of approved borrowers or co-signers: 720+

First Republic- $300 Bonus


Product Features: 

  • Refinance existing debt and have the convenient access to funds with a Personal Line of Credit1

  • No forbearance but hardship deferment (up to 1 month) | Loans are NOT discharged upon death or disability | Cosigner release: No

Contact: Ummay Azam | (415) 296-5969 | uazam@firstrepublic.com


Requirements:

  • Must Open a First Republic ATM rebate Checking account and maintain a certain balance

  • Must be near one of its Bank locations: California (Bay Area San Francisco, Palo Alto, Mountain View, Newport Beach, Palm Desert, Los Angeles, San Diego, and Santa Barbara), Boston MA, Portland OR, Jackson WY, Greenwich CT, Palm Beach FL, New York, NY

  • Disclaimer: Once you refinance your student loan into a personal line of credit, it will be difficult (or not possible) for you to refinance again with other student refi lenders due to loan type

  • First Republic Legal Disclaimer: It is quite long, Please Click here to Read 1/2/3

 

LENDER

ODs On Finance Bonus

Lowest Current Rate Offered | +0.25% autopay Discount

Click Below to get Started!

$500-$1000

2.49% Variable | 2.59 Fixed

$500-$1200

1.86% Variable | 3.99 Fixed

0.25% Discount or $1000

2.25% Variable | 3.74 Fixed

0.25% Discount

3.24% Variable | 3.99 Fixed

$400-$750

4.13% Variable | 2.99 Fixed

$300

2.49% Variable | 3.74 Fixed

$600

3.12% Variable | 2.21 Fixed

First Republic Logo

$300

2.95-4.25% Fixed

Frequently Asked Questions About Student Loans Refinancing Referrals

GENERAL

CREDIT AND OTHER FINANCIAL QUESTIONS

CASH BONUS AND DISCOUNTED RATE FOR MEMBERS

OTHER QUESTIONS FOR DAT AND AARON

Any Questions or Concerns, please read Frequently asked questions (FAQ) and  as always, please don't hesitate to contact at Admin@ODsonFinance.com