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 


Dr. Dat Bui O.D

CEO | Co-Founder

Dr. Aaron Neufeld O.D

COO | Co-Founder

Need Help on How to Manage your Student Loans?


Want to Compare Lenders and Rates?

  • (1) Current Student Refi Rates

    Refi Still fairly low at around 2-3% fixed, considering that inflation is ridiculous 5-6%. The feds announced recently that it doesn't plan to increase rate though 2022, but will gradually have 3-4 spikes until 2024 but take that with a grain of salt since the economy can change.  This is the most cash-back up to $1000 that we have ever negotiated for our members or seen over the last 5+ years, so take advantage!  If you can get 1% better, now is the perfect time to refi. A majority of our refi traffic is from ODsonFinance are doing a form of refi- hack, which is jumping from lender to lender to capture $1000 bonus (must meet the requirement minimum loan) 

  • (2) Biden extends federal loan pause until 1/30/2022

    Optometrists with current federal student loans NOT pursuing forgiveness should start preparing to refinance prior to January 30, 2022. Since the CARES Student loan benefits are set to expire until end of January  30, 2022, with the likelihood no more extension due to economy opening up. Our advice is still the same, those optometrists with Federal Loans, enjoy the 0% benefits, make extra payment (more will just go toward principal) and/or  prioritize investments such as for retirement.

    For the majority of ODs, we recommend gathering your financial documents in November 2021 needed to refinance  and start applying in early December. There is a general consensus among our refi lenders that after 1/30/2022, as there is a mad rush of demand, bank lenders can choose to be more selective in their underwriting approval process (lower DTI, higher credit score, work experience, etc) and increase their overall rates.  If you are still on the fence, no worries, wait to reassess when more news is closer to 1/30/2022. 

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

Credible: $1000*

We are excited to have Credible on board, which is an online marketplace that provides Optometrists with competitive, personalized loans from multiple, vetted lenders in real time!


  • Free, fast and able to compare prequalified rates from multiple lenders under 2 minutes, without affecting your credit score. Get a final offer as little as 1 business day!

  • Credible’s partner lenders do not charge prepayment penalties, loan application fees, or origination fees.

  • Forbearance, discharge on death/disability, cosigner release is dependent on individual lenders

  • Special Promo: Get up to $1000 bonus for loans over $100K, $500 Bonus if less than $100K loan 


  • All States eligible

*Disclaimer: To receive $1,000 welcome bonus, ODs on Finance readers must refinance a balance equal to or greater than $100K.  If refinancing a balance below $100K, readers are eligible for a $500 welcome bonus.

LendKey: $400-$1000 Bonus*

We are excited to partner with Lendkey in offering them one of the lowest rates out there!



  • All States eligible except for  NV, ME, ND, WV, RI.

Splash Financial: $1000 Bonus*

We are excited to join with Splash Financials to help out Optometrists with the lowest possible rate! Dat and Aaron were able to negotiate one of the lowest and best deals for our wonderful  ODsonFinance members!



  • All States eligible

Earnest: $300 Bonus*

We are excited to have this wonderful lender on our team! Aaron had the pleasure of knowing the founder of Earnest and can vouch for them/their methodology as an option in your refinancing quest!


  • Quick and easy application

  • 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

  • Minimum loan is $5,000, with a max limit of $500,000

  • 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


  • All States including DC are eligible except for  KY, NV. Can only offer fixed Rate in AK, IL, MN, NH, OH, TN, TX by Brazos: $600*

OD’s on Finance has partnered with Brazos! The nation's largest group of nonprofit student loan organizations. Their unique non-profit expertise and mission allow better rate than the national lenders.  Click on the link to apply on Student-loans!


  • No extra fees: Transparent pricing, zero fees, and some of the best rates available due to non-profit status

  • New Parent Loan and Refinance Loan programs

  • 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 


  • Texas Resident only 
  • Minimum loan amount is $10,000, up to $250,000 with a graduate degree

SoFi: 0.25% Discount

ODsonFinance has partnered with SoFi to offer flexible financing options for student loan refinancing and personal loans. Whether you want to lower your monthly student loan payment, save money on your total debt, or use a lower cost private loan to pay off a high-interest credit card or make a major purchase, SoFi can help reach your financial goals faster.


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

  • Easy Experience: Apply in minutes online to refinance your loans or borrow for any kind of personal use.

  • Support when needed: Access to live customer support 7 days a week.

  • Membership perks: Exclusive networking events, access to free financial planning, educational workshops and more.

  • 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


  • All States eligible


CommonBond: $400 Bonus + 0% APR for 6 months

We have joined forces with CommonBond to help young optometrist take charge of their finances! CommonBond offers student loan refinancing to graduates and to parents with Parent PLUS loans. Lately, CommonBond has been offering extremely competitive rates for refinancing


  • Fast and easy application online without affecting your credit score

  • No application or origination fees, with no prepayment penalties

  • Social Impact: For every loan funded, They will fund a child’s education in the developing world.

  • Academic deferment, forbearance 
  • Loans discharged upon death or disability
  • Cosigner release: Yes

  • Special ODsonFinance Offer: Get 0% APR for the first 6 months when you refinance at least 1 federal Loan    

      • This offer can help you take advantage of historically low interest rates without losing out on 0% APR
      • Your APR will be set to 0% for the first 6 months, meaning all your on-time payments will go to principal in that time
      • After the introductory APR period, you will begin paying interest
      • You qualify for this offer when you refinance at least one federal student loan 
      • Checking your rate at takes about two minutes, does not affect your credit, and lets you see if this offer makes sense for your personal financial situation. 

Client Welcome Disclosure: Please Click here to read


  • Minimum loan is $5,000, with a max limit of $500,000
  • All States eligible except for Mississippi and Nevada
  • Approval for Visa H1-B, J-1, L-1, E-2, and E-3.


First Republic- $300 Bonus

We are ecstatic to partner with First Republic again in their new flexible hybrid Student Refi product. In addition to student loans services, they offer amazing banking services! They really value one-on-one client relationships.  They currently offer the LOWEST fixed rate out there.  Additionally, our co-founder Dat re-financed his student loans with FR and uses their bank services, so he can personally vouch for them!

Product Features: 

  • Refinance existing debt and have the convenient access to funds with a Personal Line of Credit1
  • Choose loan amounts from $60,000 to $350,000.2
  • Refinance your student loan debt, credit cards or auto loans.
  • Access funds for home or medical expenses, family planning or special celebrations.3
  • Pay no origination, maintenance or prepayment fees — ever
  • First Republic Legal Disclaimer: It is quite long, Please Click here to Read 1/2/3

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

How it works: 

  • Connect with your banker who will walk you through the application process.
  • Choose the loan term that works best for you. 
  • Make interest-only payments during the first two years 
  • Draw on your loan, and any principal you repay will be available to to draw on again during the first two years


  • 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

Contact: Ummay Azam | (415) 296-5969 |



ODs On Finance Bonus

Lowest Current Rate Offered

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1.90% Variable/ 2.49 Fixed


2.25% Variable/ 2.58 Fixed


1.88% Variable/ 2.48 Fixed


1.88% Variable/ 2.44 Fixed


1.87% Variable/ 2.15 Fixed

0.25% Discount

1.73% Variable/ 2.48 Fixed

$400 + 6 months Introductory 0% Rate

1.97% Variable/ 2.83 Fixed

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2.25 % Fixed

Frequently Asked Questions About Student Loans Refinancing Referrals





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