STUDENT LOAN REFINANCING
RATES & TERMS

The following examples depict loan examples for both of our programs.

The first table is for our medical consolidation loan program for residents/fellows. This table depicts the APR, monthly payment, years in the $1 per month training period (with Grace Period) and total payments during the life of a $189,000 private loan with a single disbursement. The rate in residency & fellowship is 5.54% for all borrowers. The 5.29% interest rate is the rate for once the borrower has finished residency/fellowship and has entered the re-payment period of the loan. The 5.29% rate assumes an ACH discount of (0.25%). There is an origination fee of 2.5% for this product and no pre-payment penalties. 

The second table is for our medical consolidation loan program for doctors. This table depicts the APR, monthly payment and total payments during the life of a $189,000 private loan with a single disbursement. The interest rate is 5.29% for all borrowers and assumes an ACH discount of (0.25%). There is an origination fee of 2.0% for this product and no pre-payment penalties.

RESIDENCY AND FELLOWSHIP REFINANCE LOANS
FIXED RATE

Terms $1 Per Month Training Period Rate in Residency & Fellowship Rate Post-Training Repayment APR Number of Payments Monthly Payment Post-Training Total Payments
10 years 0 years 5.54% 5.29% 5.83% 120 $2,082.32 $249,878.91
10 years 1 years 5.54% 5.29% 5.77% 135 $2,231.12 $267,734.23
10 years 2 years 5.54% 5.29% 5.74% 147 $2,357.79 $282,934.81
10 years 3 years 5.54% 5.29% 5.71% 159 $2,491.67 $299,000,09
10 years 4 years 5.54% 5.29% 5.69% 171 $2,633.16 $315,979.22
10 years 5 years 5.54% 5.29% 5.68% 183 $2,782.70 $333,924.13
10 years 6 years 5.54% 5.29% 5.66% 195 $2,940.75 $352,889.70
10 years 7 years 5.54% 5.29% 5.65% 207 $3,107.78 $372,933.94

POST TRAINING DOCTOR LOAN
FIXED RATE

Terms Rates Repayment APR No. of Payments Monthly Payment Total Payments
10 years 5.29% 5.72% 120 $2,072.17 $248,659.99
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