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Your Financial Pharmacist Planning LLC does not receive referral fees from affiliate links. However, YFP Gives, an affiliated non-profit corporation, is paid a referral fee for individuals that use an affiliate link on this website. The following are affiliate partners of YFP Gives: Credible, LendKey, Splash Financial, PolicyGenius, HappyPharmD, Pharmapreneur Academy, CIT Bank, QuinStreet, BusyKid, DeleteMe, and select Amazon affiliate links.
The information on this website is provided to you for your informational purposes only and is not intended to provide, and should not be relied on for, investment or any other advice. It should not be construed as a solicitation or offer to buy or sell any investment or related financial products. We urge readers to consult with a financial advisor with respect to any investment. The information contained in our archived newsletters, blog posts and podcasts is not updated and may not be accurate at the time you read it on this website. Opinions and analyses expressed herein are solely those of Your Financial Pharmacist Planning (unless otherwise noted) and constitute judgments as of the dates published. Such information may contain forward-looking statements, which are not intended to be guarantees of future events. Actual results could differ materially from those anticipated in the forward-looking statements.
LINKS TO OTHER WEBSITES We have provided links to other websites strictly as a courtesy. When you link to any of the websites provided herewith, you are leaving this site. We make no representation as to the completeness or accuracy of information that is provided on these sites. We are not liable for any direct or indirect technical or system issues or any consequence arising out of your access to or your use of third-party technologies, sites, information and programs made available through this site. All information contained on this website is subject to change without notice.
To check the rates and terms you qualify for, Credible or our partner lender(s) conduct a soft credit pull that will not affect your credit score. However, when you apply for credit, your full credit report from one or more consumer reporting agencies will be requested, which is considered a hard credit pull and will affect your credit.
Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Lenders will conduct a hard credit pull when you submit your application. Hard credit pulls will have an impact on your credit score. Rates and terms are subject to change without notice. Rates from Lenders may differ from prequalified rates due to factors which may include, but are not limited to: (i) changes in your personal credit circumstances; (ii) additional information in your hard credit pull and/or additional information you provide (or are unable to provide) to the Lender during the underwriting process; and/or (iii) changes in APRs (e.g., an increase in the rate index between the time of prequalification and the time of application or loan closing. (Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time). Lenders reserve the right to change or withdraw the prequalified rates at any time.
NMLS ID: 1681276
320 Blackwell Street
Suite 200
Durham, NC 27701
See disclaimers at: https://www.splashfinancial.com/disclaimers/
Splash Financial, Inc. (NMLS #1630038), licensed by the DFPI under California Financing Law, license # 60DBO-102545
Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval. Our lending partners require the borrower to be a U.S. citizen in an eligible state to qualify. Some lenders allow the borrower to be a permanent resident in an eligible state to qualify. The borrower is required to meet applicable underwriting requirements based on specific lender criteria. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including term of loan, a responsible financial history, income and other factors. Refinancing or consolidating private and federal student loans may not be the right decision for everyone. Federal loans carry special benefits not available for loans made through Splash Financial, for example, loan forgiveness, public service loan forgiveness and economic hardship programs, fee waivers and rebates on the principal, which may not be accessible to you after you refinance.
The information you provide to us is an inquiry to determine whether we or our lenders can make a loan offer that meets your needs. Not all information is required by all lending partners were you to apply directly on their website. We do not guarantee that you will receive any loan offers or that your loan application will be approved. Offers are subject to credit approval and are available only to U.S. citizens or permanent residents who meet applicable underwriting requirements.
*Autopay Discount. Rates listed include a 0.25% autopay discount.
Fixed APR: Annual Percentage Rate (APR) is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments. Fixed rate options range from 2.59% (without autopay) to 8.74% (without autopay) and will vary based on application terms, level of degree and presence of a co-signer. Variable APR: Annual Percentage Rate (APR) is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments. Variable rate options range from 2.49% (with autopay) to 11.97% (without autopay) and will vary based on application terms, level of degree and presence of a co-signer. Variable rates are derived by adding a margin to the 30-day average SOFR index, published two business days preceding such calendar month, rounded up to the nearest one hundredth of one percent (0.01% or 0.0001).
**Payment Disclosure. Fixed loans feature repayment terms of 5 to 20 years. For example, the monthly payment for a sample $10,000 with an APR of 5.47% for a 12-year term would be $94.86. Variable loans feature repayment terms of 5 to 25 years. For example, the monthly payment for a sample $10,000 with an APR of 5.90% for a 15-year term would be $83.85.
Credit Pull Disclosure. To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
