Earn a $300 cash bonus and 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 to Refinance Your Student Loans?

First Republic Bank offers a Personal Line of Credit1 you can use to refinance your student loans and other existing debt into one convenient monthly payment. This line of credit also offers convenient access to funds for large purchases, interest-only payments for the first two years and industry-low fixed rates starting at 2.25% APR (with discounts).2 Applicants for the Personal Line of Credit must be located within close proximity to First Republic offices in San Francisco, Palo Alto, Los Angeles, Santa Barbara, Newport Beach, San Diego, Portland (Oregon), Jackson (Wyoming), Boston, Palm Beach (Florida), Greenwich and New York City. A $300 welcome bonus is available for qualifying new First Republic clients who open a Personal Line of Credit using the above link.3

Please note, by refinancing student loans with a Personal Line of Credit, 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 First Republic banker if you have any questions.

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

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

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


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What First Republic Customers Say about Them

“I was looking for personalized service and trustworthy advice, and First Republic delivered.”

“First Republic is quick, responsive and technology-forward. That’s made all the difference for us.”

“The service at First Republic is unmatched. They go out of their way to meet our needs.”


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First Republic Student Loan Refinancing Terms and Conditions

1Personal Line of Credit 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), for speculative purposes, for business or commercial uses, or for the direct payment of post-secondary educational expenses. This product cannot be used to pay off credit card debt 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.


2Annual Percentage Rate. Rates effective as of 5/01/2021 and are subject to change. Borrower must open a First Republic ATM Rebate Checking account (“Account”). Terms and conditions apply to the Account. If the Account is closed, the rate will increase by 5.00%. Rates shown include relationship-based pricing adjustments of: 1) 2.00% for maintaining automatic payments and direct deposit with the Account, 2) 0.50% for depositing and maintaining a deposit balance of at least 10% of the approved loan amount into the Account, and 3) an additional 0.25% for depositing and maintaining a deposit balance of at least 20% of the approved loan amount into the Account.


3$300 offer is extended only to Personal Line of Credit clients who are new to First Republic, located within the First Republic footprint and use the First Republic referral link on the WCI Operations, LLC, website to access the Personal Line of Credit calculator. For a list of locations, visit firstrepublic.com/locations. To qualify for the offer, your loan application must be received and booked by First Republic between 3/10/2021 and 12/31/2021 and booked. $300 will be credited to your ATM Rebate Checking account once the loan has been approved and booked. $300 bonus is reportable for tax purposes in the year credited. Limited to one bonus per new client. Offer is nontransferable, cannot be combined with other offers and is subject to change without notice.


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; all lending is subject to First Republic’s underwriting standards. Applicants should discuss line of credit terms, conditions and account details with their banker.


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