By Suhin Nallagatla

Student Loan Refinancing Rates in 2026: Should Physicians Refinance Now?

Student loan refinancing rates in 2026 run 4.9–7.8% for physicians. Here's when to lock in, which lenders to use, and whether to refinance at all.

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Suhin Nallagatla

Co-founder, MedDebt · UC Berkeley, Class of 2030 (premed)

Suhin built MedDebt to give medical students the loan modeling tools that financial planners charge $500+ to provide. He tracks federal student loan policy, IDR regulations, and physician personal finance so you don't have to.

Disclosure: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Loan program details change — always verify current rules on studentaid.gov. MedDebt may earn a referral commission if you refinance through links on this site.

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