For new grads and residents, associates, years 1–5, first-time practice owners
Refinancing
Refinancing can save an associate tens of thousands of dollars, and it can also throw away PSLF or RAP protections you were counting on. These pages tell you which one you are.
- Refinance vs PSLF vs RAP: a dentist's comparisonThree worked cases with dentist numbers: an FQHC dentist on PSLF, a $180,000 associate, and a resident. Payments, totals and the forgiveness tax.Read →
- Should you refinance your dental school loans?When refinancing dental school loans saves money, when it costs you PSLF or RAP forgiveness, and the math on $300,000 at 8.07%.Read →
- When refinancing your dental loans is a mistakeSix cases where refinancing dental school loans costs you money or protection: PSLF, big balances on RAP, residency, new owners, variable rates, disability.Read →
- Best student loan refinance lenders for dentistsSoFi, Splash, ELFI, Earnest, Credible, LendKey and Juno compared for dentists: who lends, who shops, resident options, and when to skip them all.Read →
- Student loan refinance rates for dentists (updated monthly)What sets the refinance rate a dentist actually gets: credit, income, debt-to-income, term, fixed vs variable and autopay. Plus how soft-pull rate checks work.Read →
- Refinancing during residencyWhich lenders offer reduced payments to dental residents, why RAP's interest waiver usually beats them, and what changes for long specialty programs.Read →
- CalculatorRefinance or forgiveness?Total cost of RAP, PSLF and refinancing, side by side, with a verdict.Run your numbers →