Financial Resources

Employee Discount Program

With PerkSpot, you can get dozens of exclusive discounts on your favorite brands. You can browse deals, search by brand or category, and enjoy savings on a variety of products and services. Visit usacs.perkspot.com to access these exclusive discounts.

NIH Federal Credit Union

Whether you work on the forefront of hands-on patient care or in a support role that drives these industries, the National Institutes of Health Federal Credit Union works exclusively with you. Now, you have a financial institution that puts your needs first. Our members have access to the following:

• Low-rate loans and refinancing of all kinds
• Short-term and long-term accounts for any life stage
• Anytime, anywhere digital banking
• Additional member conveniences

Contact MyHR@usacs.com to become a member.

Loan Refinancing

USACS is pleased to offer qualifying employees, their friends, and families a student loan consolidation and refinancing service through SoFi.

Receive a 0.25% rate discount when you refinance your student loans when you enroll as a USACS employee. You can also refinance an existing Parent PLUS loan or co-sign for children’s student loans. Terms range from 5-20 years with low variable and fixed rate options, no application fees, no origination fees, no prepayment penalties. SoFi takes several factors into consideration when evaluating your application, including your education, employment history, income, and credit rating.

Visit sofi.com/USACS to start saving.

Student Loan Assistance

Access student debt repayment options with support from Navigate and USACS! Navigate specializes in student debt repayment for physician employees and candidates, helping to reduce about 90% of student loan debt — usually between $10,000 and $400,000. Navigate can help answer your loan questions on everything from repayment plans, Public Service Loan Forgiveness, refinancing, stipends, and more!

Visit flipthescript.loan/US-Acute-Care to schedule a free consultation with an expert. Or email  joy@navigatestudentloans.com for more information.

Student Loan Refinancing

USACS has partnered with our preferred bank to offer its best-in-class student loan refinancing. For the first time ever, physicians can secure lower interest rates (as low as 2.99%!) on their entire student loan portfolio…as soon as they sign with USACS! Regardless of how much is refinanced, you have the option to pay as little as $100/month for the remainder of residency and for 6 months after.

Additional Features

• Free to apply
• No origination fees or prepayment penalties
• Up to 12 months of Economic Hardship Forbearance is available
• Fully dischargeable in case of death or permanent disability

Eligibility

• Borrowers: Must be a U.S. citizen or permanent resident with a valid I-1551 card
• Eligible Loans: Up to 100% of outstanding private and federal student loans from both undergraduate and medical school (minimum $5,000; no maximum)

Call 800-828-0898, email dgrella@usacs.com, or visit USACS.com/refinance and calculate your student loan savings!