The Student Loan Resource Page

Splash for DoctorsJump to:

This is a frequently updated page I’ve created, combing the web for all the best student loan information I can squeeze onto one page and working with refinancers to offer you excellent bonuses.

As an added bonus, if you end up refinancing via my referral links, I’ll make a donation of $50 to your charity of choice. Just be sure to follow up after you’ve refinanced and be sure to collect your cash-back bonus (see below) and ask me to make the donation. More details on that at the end of this page.

 

I have three goals with this page:

 

    1. Share some of the best posts I can find on the subject.
    2. Save you money on refinancing if  that’s your best option.
    3. Advance the site’s charitable mission and help you with yours.

 

 


Current Refinancing Rates

 

Splash Financial!: Variable rates 2.91% – 7.65%
Fixed rates 3.75% – 7.03%

Up to $1,000 Cashback bonus with Splash!


Earnest: Variable rates 2.47% – 6.23%
Fixed rates 3.89% – 6.97%

$300 Cashback Bonus with Earnest!


SoFi: Variable rates 2.470% to 6.990%
Fixed rates 3.899% to 7.979%

$300 Cashback Bonus with SoFi!


CommonBond: Variable rates 2.48% – 6.25%
Fixed rates 3.20% – 6.25%

$500 Cashback bonus with CommonBond!


ELFI: Variable rates 2.55% – 6.01%
Fixed rates 3.09% – 6.69%

$325 Cashback bonus with ELFI!


Laurel Road: Variable rates 3.02%-6.44%
Fixed rates 3.50%—7.02%

$300 Cashback bonus with Laurel Road!


LendKey: Variable rates 2.51% – 8.09%
Fixed rates 3.49% – 8.82%

$300 Cashback bonus with Lendkey!


Credible: Variable rates start at 2.57%
Fixed rates start at 3.25%

$200 Cashback bonus with Credible!


First Republic: Rates start at 1.95%
Must live near a bank branch (in CA, FL, NY, MA, CT, OR)

$200 Cashback bonus with First Republic!


(above rates updated 11/12/18)

 

 

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I have arrangements with the top student loan refinancers. You may find similar offers on other sites, but I doubt you’ll find another blogger who promises to donate half of his profits from these referrals to charity.

With that in mind, I am comfortable sending you away to the farthest reaches of the web to show you some of the best write-ups I can find to help you in this decision-making process. I do so with the trust that if you choose to refinance your loans, you’ll do so by returning here and using one of the links on this page.


Cash Back Refinancing Bonuses

Splash Financial!: Up to $1000 bonus


Earnest: $300 bonus


SoFi: $300 bonus


CommonBond: $500 bonus


ELFI: $325 bonus


Laurel Road: $300 bonus


LendKey: $300 bonus


Credible: $300 bonus


First Republic: $200 bonus


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As a way of saying thank you, if you refinance via one of my links, I’ll donate $50 to a charity of your choice.*

Before closing, please be sure to verify that both you and I receive credit for the referral. If not, you may miss out on the cashback bonus and my bonus donation on your behalf.

 


 

Blog Posts & Additional Resources

 

Post from Physician on FIRE:

 

Posts from The White Coat Investor:

 

Posts from Future Proof MD

 


Splash Financial!: Up to $1000 bonus


Earnest: $300 bonus


SoFi: $300 bonus


CommonBond: $500 bonus


ELFI: $325 bonus


Laurel Road: $300 bonus


LendKey: $300 bonus


Credible: $200 bonus


First Republic: $200 bonus


Posts from Dr. Wise Money

 

Posts by Live Free MD

 

Posts by Investing Doc

 

Posts by Wealthy Doc

 


Splash Financial!: Up to $1000 bonus


Earnest: $300 bonus


SoFi: $300 bonus


CommonBond: $500 bonus


ELFI: $325 bonus


Laurel Road: $300 bonus


LendKey: $300 bonus


Credible: $200 bonus


First Republic: $200 bonus


Posts by Big Law Investor

 

Posts by Student Loan Planner

 

If you’d like advice from a former Vanguard bond trader who has consulted on over 1,000 individual’s and couple’s student loan scenarios, or would like a second opinion, consider a consult from Travis, the Student Loan Planner.

If you owe more than $100,000 in student loans and aren’t 100% sure that you’re doing everything the right way, he finds projected savings of 125 times his consulting fee on average (that one-time fee ranges from $295 to $595). That’s tens of thousands of dollars.

If you’d like a custom plan, book a time at this link if you have more than $300,000 in household student debt and at this link if you owe less. You’ll get a consult form to fill out in your confirmation email. Make sure to mention that you heard about it from Physician on Fire on the consult form (currently question #28).

 

Post by Wealthkeel

 

Posts by Ben White

 


Splash Financial!: Up to $1000 bonus


Earnest: $300 bonus


SoFi: $300 bonus


CommonBond: $500 bonus


ELFI: $325 bonus


Laurel Road: $300 bonus


LendKey: $300 bonus


Credible: $200 bonus


First Republic: $200 bonus


Resources from AAMC FIRST Program

 

Posts from Student Loan Hero

 

Posts from Student Loan Report


Splash Financial!: Up to $1000 bonus


Earnest: $300 bonus


SoFi: $300 bonus


CommonBond: $500 bonus


ELFI: $325 bonus


Laurel Road: $300 bonus


LendKey: $300 bonus


Credible: $200 bonus


First Republic: $200 bonus


 

 

Posts from The Simple Dollar

Resources from Credible

 

Don’t forget to request your donation!

 

*To qualify for the $50 donation, I need to have proof that you did indeed refinance through one of the links or images found on this site. That is typically supplied by the refinancing entity, but if you’ve additional evidence, please share that info with me via e-mail.

Also, the charity you choose must be a registered 501(c)(3) charity that accepts tax-deductible donations. I’ll be donating anonymously from our donor advised fund and will send you proof of donation in the form of a receipt.

I can’t donate to a GoFundMe or similar fundraiser; it has to be an actual charitable organization in the eyes of the law. Fortunately, there are more than a million to choose from. Please supply me with as much information as possible (from Guidestar search) to fill out the donation form, which looks something like this.

 

If and when you’re ready to pull the trigger and refinance your student loans, I sincerely hope you will return to this page, collect your bonus from these links and let me know where you’d like your donation to go!


Splash Financial!: Up to $1000 bonus


Earnest: $300 bonus


SoFiLend Key student loans: $300 bonus


CommonBond: $500 bonus


ELFI: $325 bonus


Laurel Road: $300 bonus


LendKey: $300 bonus


Credible: $300 bonus


First Republic: $200 bonus


 

Find FIRE with me.

Get an amazing spreadsheet, new post notices, & a quarterly newsletter.

We won't send you spam. Unsubscribe at any time. Powered by ConvertKit

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