Frequently Asked Questions

Just a few minutes! It's that simple.

We currently refinance student loans for the following medical & dental professionals. Physician (MD, DO), Dentist & Dental Specialties (DDS, DMD), Podiatrists (DPM), Nurse Practitioners (NP), Nurse Anesthestists (CRNA), Physician Assistants (PA), Veterinarians (DVM, VMD), Physical Therapists (DPT), Optometrists (OD), Dental Hygenists.

No worries! Life happens. You may save your work and return later.

Yes, there are a few options: variable vs. fixed, different lengths of repayment, etc.

Here are the things you'll need: copy of identification, proof of education, proof of income, and information on loans that you'd like to refinance.

Yes! We offer up to 90 days of in-service economic hardship deferment when an involuntary event reduces your income by at least 40%. During deferment, amortization is put on hold and interest accrues. When payments resume, accrued interest is paid down first and the remainder of the payment goes toward principal reduction.

We do not currently offer an option to include a cosigner but instead underwrite based on your individual eligibility.

Please contact us at 615.345.9904 or use our Contact Us link.

Refinancing a federal student loan with a private lender means you will no longer have access to benefits of your federal loans, including any public service loan forgiveness programs, the temporary suspension of payments, or any other relief efforts related to the COVID-19 crisis.

You can may refinance between $40,000 and $500,000 of student loans. If you have over $500,000, you may continue with your application of $500,000 and maintain loan balances in excess of that amount with your current servicer.

There is no penalty for making extra payments towards the outstanding loan principal, or paying the loan off early.

Yes, during the closing process (or after) you will have the option to establish online/mobile banking platform so that you can have real time access to your loan & deposit accounts.

Yes, there will be a soft credit check for pre-qualification (to receive estimated rates and terms you qualify for) and a hard credit check at final submission of the application. A soft credit check does not have any effect on your credit score while a hard check may impact your credit score.

No, you do not need to have an account with us to qualify for the loan, but we do give a .25% rate discount if you establish and auto draft the loan payments from an account with us.

We're here to help! Give us a call us at 615.345.9904.