Best Student Loan Refinancing
for Physicians
Stop overpaying interest. We analyzed the top lenders offering exclusive rates and terms for doctors in 2026.
At a Glance: The "Big 5"
Laurel Road
(KeyBank)The Good
- Pay just $100/mo during residency
- Interest does NOT capitalize during training
- Massive discounts for checking account
Best For
The Bottom Line: If you are a resident or fellow, Laurel Road is almost unbeatable. The ability to pay $100/mo while interest accrues simply (not capitalizing) can save you tens of thousands compared to other forbearance options.
SoFi
The Good
- Unemployment protection pauses payments
- Free career coaching and financial planning
- Very competitive rates
Best For
The Bottom Line: SoFi isn't just a lender; it's a financial ecosystem. If you value perks like networking events, career advice, and safety nets for job loss, SoFi offers more than just a low rate.
Earnest
The Good
- Pick your exact monthly payment
- Skip-a-payment feature (once per year)
- No origination/prepayment fees
Best For
The Bottom Line: Earnest shines in flexibility. If having the ability to skip a payment for an unexpected expense or perfectly tailoring your monthly budget is key, Earnest is a fantastic choice.
Splash Financial
The Good
- Marketplace model shops multiple rates
- Often finds the absolute lowest APR
- Includes credit unions in search
Best For
The Bottom Line: If your #1 priority is the lowest possible interest rate, Splash is your best bet. Because they check a network of lenders including credit unions, they typically win on pure numbers.
ELFI
The Good
- Dedicated personal loan advisor
- Zero fees (application or origination)
- Very high customer satisfaction
Best For
The Bottom Line: ELFI treats you like a person, not a loan number. If you hate call centers and want a single point of contact to walk you through the process, ELFI provides a concierge-level experience.
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