Earn a $500 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 Splash!


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Why Choose Splash to Refinance Your Student Loans?

Splash Financial is a leader in student loan refinancing for doctors. They also offer a special refinancing program for residents and fellows, which allows you to pay only $100 a month during training3. Splash partners with credit unions, banks, and other leading lenders to offer amazingly low rates. Hundreds of WCI readers check rates through Splash each month. In as little as two minutes, you could get pre-qualified rates and it won’t impact your credit score. There are no costs—no application or origination fees and no prepayment penalties.

The minimum borrowing amount is $5,000 and there is no maximum. If you refinance $100,000 or more, you are eligible to receive a $500* cash bonus. The bonus will be paid between 90-120 days after the loan closes and is available for first-time customers only. Bonus offer available for WCI readers only.

Competitive Rates

Competitive variable and fixed rates.

Easy Application Process

Splash provides a seamless online experience and takes the hassle out of refinancing.

Zero Fees

No application fees, no origination fees, and no pre-payment penalties.


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Splash Student Loan Refinancing Terms and Conditions

Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval. Our lending partners require the borrower to be a U.S. citizen in an eligible state to qualify. Some lenders allow the borrower to be a permanent resident in an eligible state to qualify. The borrower is required to meet applicable underwriting requirements based on specific lender criteria. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers.


Lowest rates may require autopay. The autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The autopay reduction will not be applied if autopay is not in effect. See loan agreement for details. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including term of loan, a responsible financial history, income and other factors. Refinancing or consolidating private and federal student loans may not be the right decision for everyone. Federal loans carry special benefits not available for loans made through Splash Financial, for example, public service loan forgiveness and economic hardship programs, fee waivers and rebates on the principal, which may not be accessible to you after you refinance.

The information you provide to us is an inquiry to determine whether we or our lenders can make a loan offer that meets your needs. Not all information is required by all lending partners were you to submit an application directly on their website. If we or any of our lending partners has an available loan offer for you, you will be invited to submit a loan application to the lender for its review. We do not guarantee that you will receive any loan offers or that your loan application will be approved. Offers are subject to credit approval and are available only to U.S. citizens or permanent residents who meet applicable underwriting requirements. Not all borrowers will receive the lowest rates, which are available to the most qualified borrowers. Participating lenders, rates and terms are subject to change at any time without notice.

For Student Loan Refinance:

Annual Percentage Rate (APR) is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments. Fixed APR options range from 5.19% (with autopay) to 10.24% (without autopay). Variable APR options range from 5.28%  to 10.24% (without autopay). Variable rates are derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001). Variable APRs and amounts subject to increase and decrease.

* Terms and conditions apply. Offer is subject to lender approval. Any bonus amount you receive will vary based on your refinancing amount. You will receive $500 for refinancing $100,000 or more. To receive the cash bonus offer, you must: (1) register and/or apply through the referral link you were given; (2) complete a loan application with Splash Financial (3) have and provide a valid US address to receive the cash bonus check; (4) refinance at least $100,000 with one of Splash’s lending partners; (5) meet the lender’s underwriting criteria; and accept the loan offer. Once conditions are met and the loan has been disbursed, you will receive your cash bonus check at the address you provided within 120 calendar days. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit.

Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax adviser to determine applicable tax consequences. Bonus offer is for new customers only.

  1. To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
  2. Savings over the life of your loan assumes same or shorter loan terms and/or interest rates on your refinance, and may not be representative of your situation. Actual savings, if any, may vary based on interest rates, balances, remaining repayment of terms and other factors.
  3. The minimum monthly payment of $100 while in the Residency Period may not pay all of the interest due each month, which will likely result in negative amortization and a larger principal balance when you enter the Full Repayment Period. Dental residents and fellows are unable to receive additional tuition liabilities for the duration of their Residency Period; see SoFi.com/eligibility for details. See APR examples and terms SoFi.com/medical-resident- refinance/medical-resident-refinance-rates. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE or REPAYE. In addition, federal student loans offer deferment and forbearance options that are not available for SoFi Lending Corp. or an affiliate Medical or Dental Resident Refinance Loan borrowers.

† The rates displayed may include a 0.25% autopay discount.