They started out focusing on medical school loan refinancing, but they now have expanded and offer an general student loan refinancing product open to anyone with a bachelors degree. SoFi offers residents $100/month payments for up to 4 years of training. On the plus side, via the referral links on this page, most offer welcome bonuses. As the servicer of all loans obtained through its platform, you can rest easy knowing your personal information will be safe and that the best customer service team will be ready to answer your questions from application until your final payment. To Build Resilience in Isolation, Master the Art of Time Travel. Which one is better for you? CommonBond was founded in 2011 by three MBA graduates from the University of Pennsylvania’s Wharton School who wanted to help their peers escape from high-interest student loan debt. Splash Financial is also one of the few companies that offers a great medical resident and fellow refinance product. Note, however, one sneaky wrinkle: while Splash offers the same 0.25% autopay discount as everyone else, the discount doesn’t apply to the $1 trainee payment period. Overview. They're backed by both banks and credit unions, letting them give you the very best rates possible. Getting preliminary rates is a quick 2-minute process that is a soft credit check that won’t affect your credit. A Historian’s Breakdown of the Siege of Gondor, How Purdue University’s President Froze Tuition, It's Spring Already? Splash Financial has earned an A+ from the BBB, though without any published complaints or reviews. If you owe less than you’ll make as a resident, you won’t need a special program. Applying to all of the options that are feasible is the best way to guarantee a good rate. In many cases, REPAYE offers the straight up best rate for someone in training (particularly if single and not moonlighting substantially). That is, your loan could be forgiven if you pass away or become disabled before you've finished paying. I wanted to let you know I put this feed on my daily curator I call The Hospital on my blog. With REPAYE, there is the 50% unpaid interest subsidy to complicate (but improve!) Unfortunately, all special resident programs offer less good rates (at least during the training period) than refinancing as an attending, but for some borrowers, you can still save some real money. Splash Financial This company lets you check your rate online without a hard inquiry on your credit report, and their variable rates currently start at just 2.25% APR. Earnest empowers people with the financial capital they need to live better lives. LinkCapital was the second company to join Laurel Road in offering a resident-friendly program. Earnest is a merit-based lender with custom terms. Of all the companies we reviewed, CommonBond has some of the best customer service. Splash Financial is in all 50 states and is … Save thousands on your student loans and pay off your loans sooner. This site may be compensated through our partner relationships. Once qualified, you will then gain access to the full online application. hbspt.cta._relativeUrls=true;hbspt.cta.load(2241837, '1bba719e-199b-4f63-ad8c-62f08c891624', {}); © 2020 Nitro College. Unlike Laurel Road (but like SoFi), Link offers trainees in their final year to qualify for the attending rate with a signed employment contract. The required monthly payment is exactly $1 for up to 84 months (7 years) of training. Hope you can spread it around your social network so it can gain popularity but for me it is an amazingly easy way to keep up with the latest post from pretty much every physician blogger I know. The company also earns 4.4 out of 5 stars on Trust Pilot based on 62 reviews. No application or origination fees and no prepayment penalties. They've helped borrowers refinance over $14 billion in student loans. SoFi is unique in that they throw a lot of resources behind their members—and these go beyond refinancing. The company understands every applicant's unique financial story to offer the lowest possible rates and radically flexible loan options for living life. Disclaimer:  You’ll need to get payoff statements from each current student loan servicer — Obtaining these can be a bit of a complicated process if you’ve never done it before. SoFi consistently offers rates that are among the lowest in the country. Here at Nitro we strive to provide you with accurate, up-to-date information, but suggest checking the source directly. Be aware that advertised rates almost universally contain a 0.25% autopay discount, so make sure to account for that when comparing your federal rate. SoFi has some of the lowest interest rates and, unlike the other lenders we reviewed, there's no maximum on the amount you can finance. CommonBond will refinance up to $500,000, while SoFi has no maximum amount. Compare Credible vs. SoFi Student Loan Refinance. Updated on September 14, 2020By Jen Williamson. Resident Refinance: Laurel Road vs LinkCapital vs SoFi vs Splash vs REPAYE Finance // 09.17.18 1 [2020 Update: Since this post was written, but LinkCapital and Splash have shuttered their resident-specific programs and LinkCapital subsequently shut down completely.] Even if refinancing is a generally good choice for your situation, unless you had substantial income as a family during your final year of school, private companies are going to have a really hard time beating the feds if you consolidate and apply for REPAYE right after graduating. So which of these lenders is better for student loan refinancing? Not only are interest rates offered by Splash Financial industry-leading, but the company has a 95% customer satisfaction rate so far. Splash offers a $300 bonus for loans above $30k. All of these companies offer no-cost refinancing with zero fees. Laurel Road provides up to one year of forbearance for those under economic hardship, including involuntary job loss and unpaid maternity leave—which is an extremely rare benefit from a private lender.They also offer death and disability loan forgiveness. Win up to $1000 in free stock ... Information related to lending products contained herein should not be construed as an offer or pre-qualification for any loan product offered by SoFi Lending Corp and/or its affiliates. Borrowers wishing to refinance or consolidate with Splash can borrow a minimum of $5,000, and there is no maximum. A couple things to keep in mind: if you pay the minimum every month, you will definitely be in a negative amortization situation, likely even more than you would be using a federal plan (with their higher monthly payments). In short, the government forgives half of the interest that accrues each month that remains unpaid after applying your scheduled calculated payment. Even though the company was founded less than ten years ago, SoFi now refinances more student debt than any other lender. [2020 Update: Since this post was written, but LinkCapital and Splash have shuttered their resident-specific programs and LinkCapital subsequently shut down completely. Open an invest account today. Say hello? Splash is a great option for borrowers who want to compare rates from banks and credit unions and refinance their federal student loans, private student loans or both. Get a personalized quote from LendKey now. Loan Terms: 5 – 20 years Variable APR: 2.80% – 1.909% (includes 0.25% autopay discount) Fixed APR: 3.899% – 8.179% (includes 0.25% autopay discount) Splash Financial operates in every state to refinance student loans, including federal, ... SoFi is an online lender that has provided more than 375,000 borrowers with over $30 billion in refinanced student loans, including undergraduate, graduate and parent loans. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. Get your personalized, pre-approved rates in less than 5 minutes. All Rights Reserved. The better question is: which one is better for you? Know the difference between SoFi vs Laurel Road. (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. Splash is best for doctors and dentists with high loan balance who want a lower interest rate. ], Let’s assume that you are a graduating medical student or resident and plan to actually pay off your loans (i.e. Splash Financial is a student loan marketplace that connects you with student loan refinancing for undergraduate, graduate and parent loans. In addition, they create opportunities for community by running a members-only Facebook group and offering events for members—including happy hour meet ups, financial planning sessions, and celebratory pay-off dinners. Splash Financial is in all 50 states and is intensely focused on customer service. SoFi, also known as Social Finance, is a market leader that helped pioneer the technology-driven private student lending market. Splash Financial does not charge loan application or origination fees. These two lenders are very close in terms of interest rate offerings. Want to partner? Start saving today with a refreshing take on student loan refinancing. SoFi was the first company that I discovered when I refinanced my pharmacy school loans. Earnest : This lender offers refinancing options for fair credit and approves loans with debt-to-income ratios as high as 65%. Splash Financial conducts a soft credit pull to determine your potential eligibility. Although Splash Financial themselves have only been in the loan refinancing business for 5 years, they have partnered with PenFed, an 80 year-old federal credit union with over 1.6 million members and … Splash Financial and our lending partners reserve the right to modify or discontinue products and benefits at any time without notice. Splash Financial started as a refinancing company for medical students. SoFi offers fixed and variable rate loans. The only lender we've seen with sometimes better rates at is Splash Financial. Here’s a closer look at two lenders—Laurel Road and SoFi—that are offering extremely competitive rates and novel refinancing packages right now. I've refinanced a few times In the past between my spouse and my loans. Laurel Road gets it. ©   BWMD LLC 2007-20   ||   CONTACT: BEN AT BENWHITE DOT COM, A few docs talk about early career financial mistakes, The Texas Medical Jurisprudence Exam: A Concise Review, The Essential List of My Writing Concerning Medical School, the NBMEs, USMLEs, and Residency, My Student Loan Refinancing Breakdown and Cashback Links, REPAYE can be a particularly good deal for your intern year, Some Practical Thoughts on the Virtual Interview Season, Highlighted advice for medical school, the boards, & residency, Unisex Disability Insurance Rates Are Basically Gone at the End of 2020, For-Profit Medical Schools, Once Banished, Are Sneaking Back. Its original focus was on grad students, but it has since expanded to cover undergrads as well. If you want to refinance to a better rate but you're worried about losing some of the benefits of federal loans, Laurel Road may be a good choice for you. Like Sofi, Laurel Road also claims big savings from its members—more than $20,000 on average. With other companies, you’d likely be on the lookout to refinance again. To apply with Laurel Road, you’ll need two recent pay stubs or other proof of income, a photo ID, and payment statements for your student loans. While there is no minimum income, many borrowers who refinance with SoFi have graduate degrees. SoFi is a major player in the student loan refinancing marketplace. Many of our non-bank competitors are not able to lend in all 50 states.Laurel Road has grown to be the second largest player in the student loan refinancing space in large part because of our reputation as the go-to low rate provider. Connecting student borrowers to a network of over 300 community lenders with low interest rates. Get a personalized review of your refinancing options with CommonBond today. We are committed to help you find the best company for you. not attempt to qualify for PSLF.). SoFi isn't like a traditional bank, so you need to be aware of a few nuances. Customer service is also a delight. They match you with a few lenders, and you can choose the terms that best meet your needs. These events take place coast to coast, in cities including New York, Oakland, Boston, and San Diego. Link’s program is only available to PGY2’s and above, so graduating students and interns are not eligible. If you’re married and your spouse earns income, the less your subsidy will be and the less it will lower your rate. Unlike the other companies, Link also tells you your training and attending rates, and when you finish training, your rate automatically goes down. Our SoFi Review explains how SoFi has grown so quickly. Click here to see more of Splash's offerings and to see how you can save money. Oddly, you will be placed in a mandatory forbearance during that year so that you won’t be able to get an autopay discount during that time. Ponzi Scheme Suspect Uses Underwater Scooter to Flee F.B.I. See also: Laurel Road Student Loan Refinance Review. Back in 2015 when the company was just called DRB, they were the first to create a student loan refinancing program for medical residents. While a lifestyle that requires forbearance is far from ideal, Splash is the only company that makes forbearance completely unnecessary in your quest to get a better rate. Splash Financial is unique among the four programs as being a true forbearance alternative. Getting a lower interest rate is great and will make it easier to pay off your debt fast. SoFi offers one-on-one advisory services so you can get customized support to improve your finances, develop a resume, or transition your career. Refinancing student loans with Splash Financial to as low as 2.63% fixed APR can save borrowers $350 per month or $29,340 over the life of the loan. Most importantly, however, is to make sure that your effective REPAYE rate isn’t as good if not better than what the private industry can offer you. Refinance your student loans with Splash Financial, the industry leading platform that connects you with lower interest rates. Using technology, data, and design to build affordable products, Earnest's lending products are built for a new generation seeking to reach life's milestones. The total reduced payment period is actually up to 54 months (with the final 6 months for the transition to becoming an attending). The best way to decide is to carefully consider each lender’s strengths and drawbacks—and apply to find out how your finances might change.Learn more about refinancing with SoFi, Learn more about refinancing with Laurel Road. Earnest sets itself apart by taking a more personalized approach to lending. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. SoFi's approach to lending is also different since it … Loan amounts: $25,001 to $500,000. Most companies also offer referral bonuses where you can get some cash back with your refinance. That's why we've taken the time to provide clear and easy-to-read rankings, reviews, and breakdowns of companies in over 100 different industries Both lenders keep it pretty simple and provide online applications. Splash Financial is a company that refinances student loans. By partnering with these lenders, LendKey is able to give consumers direct access to the best rates available from the most borrower friendly institutions. The company prides itself on being easy to reach by email, phone, or live chat. Other than competitive interest rates, SoFi’s loan offerings aren’t particularly exceptional. Physics Explains Why Time Flies as We Age, Osteopaths Settle Class Action Against American Osteopathic Association. Earnest Student Loans vs SoFi Student Loans. Also, note that REPAYE can be a particularly good deal for your intern year if you play your cards right. Splash Financial is not a direct lender — Your application will be processed and approved by a partnering lender, usually a bank or credit union, who will also service your loan going forward. Most residents should be in REPAYE in training and then refinance after training or only once they’ve signed a contract for a job that is not PSLF-eligible. With PAYE, your rate is your rate unless you have subsidized loans from college, and so comparing what you currently have to what the refinancing industry can offer is easy. The required monthly payment is a bit lower at $75/month. The monthly payment is set at $100/month regardless of your income during residency/fellowship, and then switches when you finish training. We recommend consulting a licensed financial professional before making any financial decisions. You’ll know right away if you pre-qualify. matters. SoFi is the established giant in the student loan refinance marketplace. As a recap, with your direct federal loans if you die your loans are completely forgiven as soon as they are sent a death certificate. So, assuming you need to pay off this debt yourself, your goal is to get the lowest interest rate possible to reduce the growth on your loans while having a monthly payment that is feasible as a resident. Some state restrictions may apply. It’s difficult to say which lender would give you a lower rate—as this depends on your finances and the company's own underwriting priorities. No application or origination fees and no prepayment penalties. Operates in all 50 states; 2nd largest student loan refinancing lender. You can check your rate with Splash in just minutes. Low-debt residents can refinance with any company. How does it compare to SoFi? Splash Financial is a leader in student loan refinancing with new rates as low as 2.63% fixed APR which can save you tens of thousands of dollars over the life of your loans. Just was offered 4.05% from laurel road. Splash … A surprising number of people don't refinance their federal direct student loans because they are worried they will lose the death and disability protections available in that system. See also: SoFi Student Loan Refinancing Review. Splash offers both fixed-rate and variable-rate student loan refinancing and consolidation. Both offer very competitive interest rates. There are several factors that make each one stand out—the career support for SoFi, and the generous forbearance and forgiveness terms for Laurel Road, for example. Splash Financial Basics. Additionally, you used to have to use a different email address to get an updated rate and that has been fixed, thank goodness! Trying to decide if it's worth finishing. Splash Financial has made a "splash" in the student loan refinancing market over the last year by offering some of the best rates and best student loan bonuses available.. Check out our Student Loan Refi Calculator to see how much you could save by refinancing your student loan. This means that while you can never go back to a federal repayment plan after refinancing, there is literally nothing stopping you from refinancing multiple times, rate hunting, and even collecting multiple referral bonuses. Laurel Road Student Loan Refinance Review. Second, unpaid interest will also capitalize at the end of the training period, so it would behoove you to try and reduce some of this accrued interest prior to graduation. Splash Financial loans are funded by banks and credit unions to ensure market leading rates. For one, they provide student loan refinancing for the most debt-burdened borrowers. Even the complete applications don’t take more than half an hour or so. If you're all about getting a great interest rate while climbing the career ladder, SoFi is a lender you should consider. "Since the early days, SoFi has been operating across every state in the U.S. but Nevada for our student loan refinancing product, and we’re now lending in … ... To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Checking your rates takes just a few minutes to complete on Splash’s website. My wife and I both refinanced through Sofi. Picking a shorter term will result in lower rates (note: the term doesn’t kick in until you become an attending and start true repayment). The information obtained throughout the Nitro site is intended to be used for educational purposes only. All product names, logos, and other trademarks displayed within the Nitro site are the property of their respective owners. SoFi offers a variety of solutions when it comes to undergraduate and graduate private student loans and student loan refinancing. But before we assume that, let’s remember that PSLF makes the most sense for people destined for academic or government (city/county/state/federal) or with long residencies and big loans. You are eligible as a post-match MS4, but only if your training is 4 years or less in duration. But other factors matter as well. As of August 2017, LinkCapital is no longer offering welcome bonuses. Need a speaker? Earnest offers both fixed and variable interest rates as low as 2.37% APR and 3.47% APR, respectively, with a 0.25% discount for enrolling in autopay. 6- Citizens One. They partner with multiple banks and credit unions to offer some of the lowest interest rates for student loan refinancing that you’ll find on the market. Does It Cost More to Train Residents or to Replace Them? ... 9 - Splash Financial. Lowest rates are reserved for the highest qualified borrowers. I'm partway through the splash financial app which is apparently actually penfed credit union. Laurel Road also specializes in refinancing medical school debt. Both lenders charge zero origination or pre-payment fees. If you apply to SoFi in your final year with a signed contract, you’ll automatically get the attending rate instead of the resident rate. If you’re looking into refinancing your student loan, then you know every lender is different—and choosing the right one is crucial. Loan: $200,000 at 6.8% REPAYE payment as a single resident making $50,000: $270/month Annual interest accrued: $13,600 Annual interest paid: $3,240 Annual interest unpaid: $10,360 Amount forgiven: $5,180 Effective interest rate: 4.2%, The more you borrowed and the less you make, the bigger your subsidy will be and the more it will lower your rate. 6054612. So you’ll need to add that back on to compare apples to apples during residency. Finding the right lender often means finding the one that works best for you—not for everyone else. It offers networking events, expert panels, insider newsletters, and even has a program help borrowers who lose their jobs to find new ones. That's with good reason. Just looking for recent experiences. It recently announced a $350 million annual loan financing deal and have excellent rates. It’s only once you move forward with getting a final rate and the formal (but still short) application process that involves a real (“hard) credit check; even then, multiple checks for the same thing within a short period of time are considered rate shopping and should function as a single temporary hit. NitroCollege.com is not endorsed or affiliated with the U.S. Department of Education. If you decide to proceed with a formal application for student loan refinancing through one of Splash’s partner lenders, you’ll have to complete a more in-depth application and grant permission for the lender to check your cr… Click here to apply with Earnest and to see how much you can save. For starters, the money that's used to fund refinance loans comes from alumni, individuals, and institutions that have invested in the company. Splash Financial gives borrowers quotes from its partner lenders with loans available in all 50 states. Refinancing with Splash was quick and easy, and their rates were better than Earnest and SoFi. Typical credit score of approved borrowers or co-signers: 700+. There is no maximum number of training years, and you can continue the reduced payment up to 6 months after finishing training to help get you through the fresh start. Splash Financial is an online student loan aggregator that pairs applicants with financial institutions who provide student loan refinancing. See also: Should I Refinance My Student Loans? SoFi may be a great option for a lot of people—but especially for those seeking community and career support. SoFi is the biggest player in the student loan refinancing market, and they’ve grown and grown into a big corporate entity that offers all varieties of personal loans, mortgages, etc. I’ve discussed REPAYE and even compared REPAYE/PAYE more at length previously. No application or origination fees and no prepayment penalties. SoFi has an online pre-approval process that lets you find out if you qualify. Read our comparison chart below. Splash Financial is in all 50 states and is … What Happens to Your Student Loans If You Die or are Disabled? Find your rate. 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