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Physician Student Loan Refinance Calculator

For the first time ever, physicians can secure lower interest rates on their entire student loan portfolio…as soon as they sign with USACS! Regardless of how much is refinanced, you have the option to pay as little as $0/month for the remainder of residency and for 6 months after.

USACS partnered with our preferred bank to offer its best-in-class student loan refinancing. Contact USACS to discuss more ways to plan for your long-term financial success. Fill in your current student loan info below to see how much you could save every month with an interest rate as low as 2.99%! 

Your Current Monthly Payment Your Current Out of Pocket Cost
$ %
Your Student Loan Refinancing Options by Joining USACS USACS Loan Years 5 USACS Interest Rate Your New Monthly Payment Your New Out of Pocket Cost
*Loan Savings With USACS  
*Your Savings  
*Loan Savings With USACS  

*This is an estimate of your savings when signed with USACS. Actual amounts may vary.

Additional Features

  • Free to apply
  • No origination fees or prepayment penalties
  • Option to pay as little as $0/month during residency and for 6 months after
  • Up to 12 months of Economic Hardship Forbearance is available
  • Fully dischargeable in case of death or permanent disability


  • Borrowers: Must be a U.S. Citizen or permanent resident with a valid I-1551 card
  • Eligible Loans: Up to 100% of outstanding private and federal student loans from both undergrad and medical school (min $5,000; no maximum)
  • Provider has up to 12 months after their start date to enroll
  • Physician must be employed by USACS full time to qualify for subsidy

Frequently Asked Questions

  • How do I apply?
    The process is quite easy and starts by applying for loan refinance through our direct link at Laurel Road bank ( Physicians may apply as soon as they have an executed agreement with USACS and have the option to pay as little as $0/month during residency and for up to six months after.
  • How much will USACS subsidize?
    Once you have applied, Laurel Road Bank will offer you their best rate based upon the desired term and your personal financial information. This rate includes a discount as a USACS clinician. USACS will then provide a subsidy equivalent to 2.99% for a five-year term, 3.99% for a ten-year term, and 4.99% for a twenty-year term.
  • How soon may I apply and is there a deadline?
    You may apply as soon as you have completed an executed agreement with USACS. You will remain eligible for up to 12 months post-residency/post-hire.
  • What happens if I leave USACS before the term of the loan is complete?
    Although you will not continue to receive additional subsidy, your loan agreement with Laurel Road which includes a discounted rate for applying as a USACS employee will remain in effect. You will not be responsible to pay back any subsidy received prior to termination of your employment.
  • Are there any tax implications?
    Yes. Due to the status of the USACS-provided subsidy as income, the subsidy is taxed. However, you are eligible to receive a 10% pension contribution on the subsidy as part of your income.
  • Can I choose one option now regarding the term and later convert to another option?
  • Can I select a 7 or 15-year option?
    Yes, however, a seven-year term would be subsidized at the rate of a ten-year term (3.99%) and a fifteen-year term would be subsidized at the rate of a twenty-year term (4.99%).
  • Can I consolidate my spouse‚Äôs student loans in with my student loans?
    Spouse student loans may not be combined; however, spouses may refinance separately using the above link and although not eligible for subsidy, they will receive the USACS discount.
  • If I choose the $0/month option through residency and for the first six months after does interest accrue?
    Yes, interest does accrue during deferment period.
  • When does the subsidy go into effect? Once signed will I receive the subsidy before I begin working for USACS?
    Once your loan is finalized and submitted the subsidy is effective. Because the subsidy is added to your compensation, payment begins with your first clinical pay check. However, if you have completed the process prior to starting you will receive retro-active subsidy with your initial subsidy pay.
Our wealth management video series walks you through the steps you need to take to begin building wealth early in your clinical career and protect it over the long term.
1. How Money Works Play Video Episode 1- How Money Works Details
2. One Fact, Two Financial Statements Play Video Episode 2- One Fact, Two Financial Statements Details
3. You Don't Get Wealthy at Work Play Video Episode 3- You Don't Get Wealthy at Work Details
4. Wealth Comes Easiest to Those Who Take Advantage of Time Play Video Episode 4- Wealth Comes Easiest to Those Who Take Advantage of Time Details
5. 80/20 Rule Play Video Episode 5- 80/20 Rule Details
6. Wealth is Attracted to Investors Play Video Episode 6- Wealth is Attracted to Investors Details
7. Wealth Grows Safely for Those Who Protect it from Risk Play Video Episode 7- Wealth Grows Safely for Those Who Protect it from Risk Details
8. Insurable Risks Play Video Episode 8 - Insurable Risks Details
9. Why Play Video Episode 9 - Why Do You Want to be Wealthy? Details
10. Student Loans Play Video Episode 10 - Student Loans Details
11. Buying a Home Play Video Episode 11 - Buying a Home Details
12. Cars Play Video Episode 12 - Cars Details
13. Passive Income Play Video Episode 13 - Passive Income Details
14. Children Factor Part 1 Play Video Episode 14 - Children Factor Part 1 Details
15. Children Factor Part 2 Play Video Episode 15 - Children Factor Part 2 Details
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20. Now On Your Way, Now What? Play Video Episode 20 - Now On Your Way, Now What? Details
21. Building Wealth is NOT a Math Problem Play Video Episode 21 - Building Wealth is Not a Math Problem Details

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