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Medical School Loan Refinance

Corto Financial is pleased to announce a strategic partnership with Splash Financial. This partnership will allow ALL of our physicians, dentists and other clients to get full access to the lowest rates and fees they may qualify for when refinancing their existing Medical/Dental Student Loans. We chose Splash Financial because they specialize in refinancing student loans.  Splash's technology helps match qualified borrowers with a unique network of credit unions, banks, and other lenders whose rates may not be available anywhere else. You will not be using just one lender when looking to refinance but Splash's ability to search their network of lenders and find you the best fit for your personal needs.  


What do I need to do to Refinance a student loan?

  • A college degree from a 4- year, not for profit college or university.
  • A credit score 640 or higher.
  • No income requirements with certain lenders.
  • U.S. Citizenship, permanent residency or an H1-B, J-1, L-1, E-2, or E-3 visa.
  • One month of employment OR a signed offer/contract starting within 12 months (for MEDICAL and DENTAL graduates.)

How much can I refinance & Loan Information for Student Loans?

  • You can refinance a minimum of $5,000 and up to a maximum of $500,000 in student loans.
  • Fixed Rates: 4.39% -8.99% with autopay
  • Variable Rates 3.99%-8.99% with autopay 
  • Discounts on rates when you set up autopay 0% to 0.25% for certain lenders 
  • Origination fees are zero.
  • No prepayment penalties.
  • Typically, loans are funded in 3-7 business days. 

Why should I refinance through Corto Financial & Splash Financial versus just going online?

  • One on one personal help with a CFG Advisor to navigate you through which refinance program makes the most sense for you – customized specifically for your needs.
  • Rates quotes in under 2 minutes.
  • Residency and fellowship programs that allow you to refinance when you have a signed contract versus waiting until you have graduated and are making your new income.
  • Cosigner Release Program.
  • Exclusive underwriting – Physician & Dentist specific underwriting – must still meet minimum criteria outlined.
  • No Minimum Income with certain lenders. 
  • No Minimum Work Time (for MEDICAL and DENTAL graduates). 
  • Academic Deferment.
  • Forbearance.
  • Discharge in the Event of Death or Disability.

** all rates are subject to change based on market conditions and underwriting criteria

Loans feature replayment terms of 60 to 300 months.  For example, a $10,000 loan with an APRof 2.49% per year for a 60-month term would have a monthly payment of $177.43.  The rates used in calculating this exapmple is shown without autopay discount (0.25%).