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Discounted Pricing and FREE Refinancing Suitability Analysis for AOA Members!

​​​​​​Refinancing Suitability Analysis


Free refinancing suitability analysis is also available for those considering refinancing to lower rates in the private marketplace, and if refinancing makes economic sense, we've partnered with Sofi to offer AOA members a .25% rate reduction(1)!  There are two ways to engage:


  • Register for a 1 on 1 Consultation with a DWOQ Advisor:

    • Appropriate for those transitioning to practice, currently in practice or with high household income

    • Overall payments can be reduced by $50,000 or more, but suitability must first be determined

    • Analysis, support, advice, the leverage of a national advisory AND a cash bonus... it's a no-brainer:





  • "Salary Boost & Refinancing Suitability" Calculator

    • ​​Username: AOAmember

    • Password: osteopathic




This analytical tool will help you determine the estimated value of PSLF in the form of a "Salary Boost" over the remaining years of non-profit employment required to achieve tax-free forgiveness. From here, you can apply to refinance or register for a comprehensive loan consultation based on the results, and a DWOQ Advisor is on hand to answer questions along the way.


(1) Additional terms and conditions apply. Offer good for new student loan refinancing customers only. To receive the offer, you must: (1) register and/or apply through this landing page; (2) complete a loan application with SoFi within 90 days of your application submit date; (2) and meet SoFi’s underwriting criteria. Once conditions are met and the loan has been disbursed, the interest rate shown in the Final Disclosure Statement will include an additional 0.25% rate discount because of your involvement with a SoFi partner company at the time of loan origination. Offer good for new customers only. Cannot be combined with other rate discounts, with the exception of the 0.25% AutoPay rate discount. SoFi reserves the right to change or terminate the Rate Discount Program to unenrolled participants at any time with or without notice.

​SoFi Lending Corp. Licensed by the DBO, CFL #6054612


Student Loan Advocacy & Support for AOA Members

​​​Comprehensive Student Loan Consultations

and Annual Support


  • Appropriate for graduating students and continuing residents/fellows seeking to utilize federal programs such as Income-Driven Loan Repayment plans and Public Service Loan Forgiveness

  • As an AOA member, you are entitled to a 20% discount on all DWOQ services. To claim this discount, enter "AOA20" when prompted for "coupon code"

  • Click here to view the full list of DWOQ services