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Interest Rates 

Splash offers both fixed and variable interest rates. To check your interest rate, Splash conducts a soft credit check that does not impact your credit score. However, if you continue your application, Splash requests a full credit report (a hard credit pull), which impacts your credit. It takes under three minutes to check your rate. 

To get your rate, you’ll need to list your monthly income and other basic background information. 

Interest rates are determined by your income, degree, school and the information from your credit pull.

The minimum loan amount is $5,000 and there is no maximum. 

Deferment and Discharge

The option to defer (postpone payments) or discharge student loans in the case of disability or death depends on the lender you are matched with.


U.S. citizens are eligible to borrow with a cosigner, who also must be a U.S. citizen.

The ability to add a cosigner depends on the lending partner a borrower qualifies for.

The option for cosigner release also depends on the lender you are matched with. 

Permanent residents are not able to apply with a cosigner.


Here are the eligibility requirements for refinancing with Splash Financial:

For medical school refinancing, borrowers may be able to pay $100 per month during a residency or fellowship plus an additional six months. 

Refinancing Federal Student Loans 

Borrowers can choose to refinance federal student loans with Splash Financial but should do so with caution. Refinancing federal loans into a private loan means a loss in many benefits, including:

Learn more about Splash Financial

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