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Physicians Education Refinance Loan - Fixed Rate

Student loan refinancing for eligible doctors

This student loan refinance product is offered to physicians, dentists and veterinarians as an affordable alternative to refinance your current student loan debt. We’re dedicated to helping you pay off your biggest expense with an unsecured installment loan with fixed monthly payments of principal and interest.

To Apply Now or Schedule an Appointment:

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    • Medical icon

      For physicians & other medical school graduates1

    • Hand Holding Dollar Sign

      Multiple repayment terms available

    • Dollar Sign Crossed Out in Circle

      No origination or annual fees

    • Monthly

      Predictable monthly payments

  • Lending Solutions for Accomplishing Your Goals:

    • With a Physicians Education Refinance Loan from FNB1, paying off your education debt has never been easier. This loan is repaid over a set term with a specific number of payments. See important terms in the Physicians Education Refinance Disclosure.

    Available For:

    This student loan refinance product is offered to physicians, dentists and veterinarians who graduated with one of the following degrees:

    • Doctor of Medicine (MD)
    • Doctor of Osteopathic Medicine (DO)
    • Doctor of Medicine in Dentistry or Doctor of Dental Medicine (DMD)
    • Doctor of Dental Surgery (DDS)
    • Doctor of Veterinary Medicine (DVM)
    • Doctor of Podiatric Medicine (DPM)

    Medical Residents and Fellows must be current borrowers through the FNB Mortgage Solutions for Physicians program. Not available to interns or students.

    Key Features:

    • Borrow anywhere between $10,000 to $400,0002
    • Interest rate discount available when you set up automatic monthly payments from an FNB deposit account
    • No payment deferment. Start repayment immediately to begin reducing student loan debt
    • 5-year, 10-year, 15-year and 20-year terms available. See important terms in the Physicians Education Refinance Loan disclosure

    Key Benefits:

    • Apply online
    • Numerous repayment options so you can pay off your student loan debt faster
    • No origination or annual fees; No prepayment penalty
    • Competitive low rates to help you save money over the life of your loan
    • Take advantage of FNB's Mortgage Solutions for Physicians and Business Services for Your Practice suite of products and services

    Great for:

    • Physicians looking to lower their monthly payments on student loan debt and reduce the length of repayment
    • Doctors looking for robust lending solutions to meet their financial goals
    Interest Rates Please enter a Zip Code to view rates in your area.

  • Qualifying for a Physicians Education Refinance Loan-Fixed

    • Borrower must demonstrate completion of a medical doctorate program from a U.S. or internationally accredited medical school with an active medical degree/certification in good standing within the state where the applicant practices or is employed.
    • Borrower, and Co-signer if applicable, must be a U.S. Citizen.
    • Borrower must be a Permanent Resident within one of the following states: Pennsylvania, Ohio, West Virginia, Virginia, Maryland, North Carolina, South Carolina or within the District of Columbia.
    • Borrowers may refinance any unsubsidized or subsidized federal or private student loan that was used exclusively for qualified higher education expenses.
    • Up to 100 percent of outstanding private and federal student loans (minimum $10,000) are eligible for refinancing.
    • If you are refinancing any federal student loans with First National Bank of Pennsylvania, you may no longer be able to take advantage of any federal benefits, including but not limited to: COVID-19 payment relief, Income Based Repayment (IBR), Pay As You Earn (PAYE), Revised Pay As You Earn (REPAYE) and Public Service Loan Forgiveness (PSLF).

    To apply, you will need:

    Required Identification:
    • A non-expired ID (driver’s license, state-issued ID, Military ID, passport or Permanent Resident Card and visa)
    Additional Information:

    While you won't need this to start the application process, as we evaluate your application, we may ask you for additional pieces of information. You may be asked:

    • To verify your income.
    • To provide bank statements.
    • To provide tax documents.

With any account, you also get the latest in digital technology:

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Notices & Disclosures
1 - All loan products are subject to underwriting/credit approval. 
2 - Student loans to be paid off must have had a minimum of six consecutive on-time payments immediately preceding the date of application. Student loans in deferment/forbearance are not eligible to be paid off.

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