Earn the Fire Your Financial Advisor Course ($799 Value) exclusively for being referred by White Coat Investor when you refinance your student loans with First Republic!


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Why Choose First Republic’s Personal Line of Credit to Refinance your Student Loans?

Lower interest rates
Get instant peace of mind and an opportunity to save more in the long term with low fixed-rate options.

No origination or prepayment fees
Pay off your student loan debt and more using a Personal Line of Credit with no origination or prepayment fees.

Choose the term options that work best for you, with the flexibility to refinance student loans, auto loans, cover minor home improvements or fund large purchases.

Note: By refinancing student loans, you may permanently be giving up tax and repayment benefits, including forbearance, deferment and forgiveness. Please consider this as you make a decision to refinance student loans, and talk to a banker if you have any questions. Currently, all payments for certain types of federal student loans are suspended, per an executive order by the President. Interest will not accrue during this time period. For more information, please visit ed.gov.


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First Republic Personal Line of Credit Disclosures

Banking products and services are provided by First Republic Bank, Member FDIC and Equal Housing Lender.

1Personal Line of Credit is an unsecured consumer loan that consists of a two-year, interest-only, revolving draw period followed by a fully amortizing repayment period of the remainder of the term. Draws are not permitted during the repayment period. Full terms of 7, 10 and 15 years available.

This product can only be used for personal, family or household purposes. It cannot be used for the following (among other prohibitions): to refinance or pay any First Republic loans or lines of credit, to purchase securities or investment products (including margin stock and cryptocurrency), for speculative purposes, for business or commercial uses, for a down payment on any property or for the direct payment of post-secondary educational expenses. This product cannot be used to pay off credit card debt at origination. Please note only debts that appear on your consumer credit report or student loans are eligible to be repaid at origination.

The terms of this product may differ from terms of your current loan(s) that are being paid off, including but not limited to student loans. By repaying such loans, you may permanently be giving up tax and repayment benefits, including forbearance, deferment and forgiveness, and you may not be able to reobtain such benefits if this loan is refinanced with another lender in the future. Borrower must open a First Republic ATM Rebate Checking account (“Account”). Terms and conditions apply to the Account.

Contact your legal, tax and financial advisors for advice on deciding whether this is the right product for you. Terms and conditions apply.

Product is not available in all markets. For a complete list of locations, visit firstrepublic.com/locations. Applicants must meet a First Republic banker to open account. This is not a commitment to lend. Loan approval is subject to a completed application with associated documentation and confirmation that income, liquidity, credit history and other application information meet the minimum requirements for this product. Applicants should discuss line of credit terms, conditions and account details with their banker.