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AMA Member Benefits

Custom financial solutions for doctors.

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As a doctor, each stage of your career brings unique challenges. From discounted student loan refinancing, mortgages, personal loans, and practice loans, Laurel Road offers a range of lending solutions customized to your needs.

As a part of the American Medical Association (AMA) you're eligible to receive special offers on Laurel Road products by applying through this page.

Why Laurel Road for Doctors?

Doctors Have Bright Futures. We Think That's Worth Investing In.

Easy Online Solutions


Digital banking designed to help you save time and money.

Smart, Secure Technology


The trusted technology of a leading national bank.

Award-winning Experience


Our customers love us—we've funded over $9 Billion in loans.

Public Service Loan Forgiveness

Student Loan Consultation

Explore your student loan options with an expert guide.

Did you know there’s more than one path to forgiveness? Get the facts and develop your personalized plan on a free 30-minute consultation with one of our GradFin student loan
specialists.1 GradFin helps borrowers qualify for an average of over $110k in student loan forgiveness.2

AMA Members also get a $50 discount when they sign up for an annual Gradfin membership.3

By submitting this form you agree to the Laurel Road and GradFin User Agreement and Online Privacy Statement.

A GradFin student loan consultation will help you:

Apply for IDR

Understand your Income-Driven Repayment (IDR) and forgiveness options.

Navigate PSLF

See if you qualify and help you stay on track for Public Service Loan Forgiveness (PSLF).4

Explore Refinancing

Compare simple refinancing options that could help you save on student loans.

Stay the Course

If you're already in the right repayment program, GradFin helps you stay on track.

Student Loan Refinancing
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Student Loan Refinancing

AMA Members get a 0.25% rate discount.5

Discover your personalized rate options online in only a few minutes—with no impact to your credit score!6

Check My Rates

IMPORTANT INFORMATION: Please note that if you refinance qualifying federal student loans with Laurel Road, you may no longer be eligible for certain federal benefits or programs and waive your right to future benefits or programs offered on those loans. Examples of benefits or programs you may not receive include, but are not limited to, Public Service Loan Forgiveness, Income-Driven Repayment plans, forbearance, or loan forgiveness. Please carefully consider your options when refinancing federal student loans and consult Federal Student Aid for the most current information.

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Laurel Road Linked Checking®

Lower your refi rate when you add a new checking account.

Open a Laurel Road Linked Checking account during student loan refinancing and get an introductory 0.25% off your rate for the first 3 months.7 After that, your rate discount varies based on your total qualifying monthly direct deposit amount – you could lower your student loan refinancing rate by up to 0.80% with autopay discount.8

Apply Now

Why Refinance Your Student Loans with Laurel Road?

Low fixed and variable rates available when refinancing student loans

Up to 12 months of forbearance is available9

We don't charge any application or origination fees or prepayment penalties

Additional 0.25% discount when automatic monthly payments are made from a bank account10

Credit Card
laurel road student loan cashback credit card

Student Loan Cashback® Card

AMA Members get a $100 cash bonus after activating.11

Introducing the first card that lets you redeem 2% cashback12 toward your student loans with any eligible servicer.13 You can earn $300 in introductory cashback rewards towards any eligible student loan after you spend $3,000 in the first 90 days with your Laurel Road Student Loan Cashback card14, plus AMA members receive $100 cash bonus after activating.

View Cardmember Agreement | View Rates and Fees Table

Apply Now
High Yield Savings
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Laurel Road High Yield Savings®

AMA Members get a $100 cash bonus for opening an account.15

AMA members can earn % annual percentage yield (APY)16 – with our highly competitive high yield savings account. Plus, $0 cost to open and no minimum balance required to open.

Get Started
Physician Mortgage
woman doctor wearing a white coat looking her right side and happily smiling, laurel road for doctors

Mortgage Lending for Physicians

AMA Members get a 0.25% rate discount.17

A Laurel Road Mortgage can help you get the savings and dedicated support you deserve. Explore special financing options available with a Physician Mortgage, including low down payment options.18

To get started, speak to a KeyBank mortgage specialist at 1-877-801-4686

†Geographic limitations apply.

Why get a Mortgage with Laurel Road?

Explore low down payment options with a Mortgage Loan Officer

Up to $650 off closing costs19

Flexible and low interest rates – with fixed and variable options

Clear terms and fees online, with human support if you need it

Personal Lending
a male doctor with glasses wearing a white coat with a stethoscope, financial piece of mind for doctors

Personal Lending

AMA Members get a 0.25% rate discount.20

Borrow up to $80,000 with a personal loan if you're in practice or within 12 months of completing training and have a signed contract to practice.21

Check My Rates

Why get a Personal Loan from Laurel Road?

Low fixed rates available across various terms

We don't charge any application or origination fees or prepayment penalties

Additional 0.25% discount when automatic monthly payments are made from a bank account22

Practice Financing
male medical professional wearing a white coat with a stethoscope looking his right side with a serious face

Practice Financing

AMA Members get a 0.25% rate discount.23

Managing your practice can be a challenging endeavor. Whether you need to buy equipment, consolidate debt, or buy into a practice, Laurel Road offers a range of customized lending solutions to help you cover the costs of running and maintaining a business.

Explore Your Practice Financing Options

Meeting your business goals often means adding funds to grow and expand. Our dedicated business specialists will work with you to help you determine the right lending solutions for your business. Laurel Road offers two options (below) for practice loan financing. Simply schedule an appointment with an advisor at your convenience, or request more information below.

Schedule an Appointment

We understand the busy lifestyle of doctors. Now you can schedule a time to meet with a KeyBank Small Practice Financing Advisor when it’s convenient for you.

Schedule Now

Line of Credit

Designed to provide easy access to funds, lines of credit allow businesses to borrow, pay back and re-borrow funds as needed, making them the ideal solution to help businesses manage seasonal cash flow, purchase inventory or cover other short-term working capital needs.

 

Term Loan

A term loan provides longer term financing with varying amounts and repayment options to give your business the funds it needs. Can be used to purchase and finance inventory, leasehold improvements, business purchases, or expansions, among other needs.

 

Request More Information

It’s good that Laurel Road actually wants to hear from you on how they can improve their services not only for you, but for other people who are going to refinance with them.

Dr. Kasra H.

General Dentist

I think it’s great to have products for doctors because we have an unusual trajectory where we have high earning potential, but don’t always qualify for much on paper.

Dr. Linda D.

Child & Adolescent Psychiatrist

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Disclaimers

Notice: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. All home lending products are subject to credit and collateral approval. Not all home lending products are available in all states. Hazard insurance and, if applicable, flood insurance are required on collateral property. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice.

IMPORTANT INFORMATION: Please note that if you refinance qualifying federal student loans with Laurel Road, you may no longer be eligible for certain federal benefits or programs and waive your right to future benefits or programs offered on those loans. Examples of benefits or programs you may not receive include, but are not limited to, Public Service Loan Forgiveness, Income-Driven Repayment plans, forbearance, or loan forgiveness. Please carefully consider your options when refinancing federal student loans and consult Federal Student Aid for the most current information.

† In some states, a conventional loan option with Private Mortgage Insurance (PMI) may offer better priced loan terms than a Physician Mortgage for down payments less than 20%. Financing options presented upon checking rates offer lowest rate and payment options available based on information provided and may not be a Physician Mortgage. Contact Laurel Road to discuss all eligible options.

  1. GradFin and Laurel Road are brands of KeyBank N.A.

  2. GradFin members that met the requirement for Public Service Loan Forgiveness (PSLF) qualified for an average of $116,697.74 in student loan forgiveness as of 01/08/2024.

  3. Member Name members get a $50.00 discount on an annual Public Service Loan Forgiveness (“PSLF”) program membership with GradFin (“Offer”). The discount will be applied on the current annual membership fee of $249.00 and will automatically apply at checkout. This Offer is only available to current Member Name members, is non-transferable and cannot be applied to previous membership purchase(s). This Offer cannot be redeemed for cash or combined with other offers and is subject to cancellation at any time and without notice.

  4. To qualify for Public Service Loan Forgiveness (PSLF), you must be employed by a U.S. federal, state, local, or tribal government or not-for-profit organization (federal service includes U.S. military service); work full-time for that agency or organization; have Direct Loans (or consolidate other federal student loans into a Direct Loan); repay your loans under an income-driven repayment plan; and make 120 qualifying payments. For full program requirements, visit: https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service.

  5. The 0.25% Member Name member interest rate discount is offered on new student loan refinance applications from active Member Name members. The Member Name discount is applied to your monthly payment and will be reflected in your billing statement. The Member Name member discount is only available at loan origination and at no other time, and will go into effect on the date the loan funds are disbursed. This offer cannot be combined with any other discounts from Laurel Road affiliated partners or employers.

  6. Checking your rate with Laurel Road only requires a soft credit pull, which will not affect your credit score. To proceed with an application, a hard credit pull will be required, which may affect your credit score.

  7. The Laurel Road Linked Checking discount is available to borrowers who open a Laurel Road Linked Checking account simultaneously while refinancing their student loans with Laurel Road. You may also be able to utilize a checking account opened simultaneously with a prior Laurel Road student loan refinance to obtain a discount on your new Laurel Road student loan refinance. Borrowers will receive a 0.25% rate discount for their first three monthly billing cycles. Starting with the fourth billing cycle and continuing with each billing cycle thereafter, the rate discount applied to each billing cycle will be based on the amount deposited via qualifying Automated Clearing House (ACH) transactions into the Laurel Road Linked Checking account during the preceding calendar month; 0.25% for deposits between $2,500 and $7,499 per month and 0.55% for deposits $7,500 or greater per month. Qualifying ACH direct deposit transactions include most payroll, Social Security, pension and government benefits deposits. To continue to receive the discount for the fourth billing cycle, you must begin making qualifying ACH deposits to your Laurel Road Linked Checking account during the second month after your loan funds. Note that the discount is only available to the primary checking account owner and is not available to a joint checking account owner. If the primary account owner is no longer an owner on the checking account or the account is closed, the discount on their student loan will cease. Discounts subject to change without notice and cannot be combined with the Laurel Road Linked Savings discount. For more information on the Laurel Road Checking Account visit www.laurelroad.com/refinance-student-loans/checking/#rates-fees-jump.

  8. 0.80% discount includes a 0.55% discount for monthly qualifying direct deposits of $7500 or more credited to a Laurel Road Linked Checking account, and a 0.25% discount for AutoPay. The Laurel Road Linked Checking discount is available to borrowers who open a Laurel Road Linked Checking account simultaneously while refinancing their student loans with Laurel Road. You may also be able to utilize a checking account opened simultaneously with a prior Laurel Road student loan refinance to obtain a discount on your new Laurel Road student loan refinance. Borrowers will receive a 0.25% rate discount for their first three monthly billing cycles. Starting with the fourth billing cycle and continuing with each billing cycle thereafter, the rate discount applied to each billing cycle will be based on the amount deposited via qualifying Automated Clearing House (ACH) transactions into the Laurel Road Linked Checking account during the preceding calendar month; 0.25% for deposits between $2,500 and $7,499 per month and 0.55% for deposits $7,500 or greater per month. Qualifying ACH direct deposit transactions include most payroll, Social Security, pension and government benefits deposits. To continue to receive the discount for the fourth billing cycle, you must begin making qualifying ACH deposits to your Laurel Road Linked Checking account during the second month after your loan funds. Note that the discount is only available to the primary checking account owner and is not available to a joint checking account owner. If the primary account owner is no longer an owner on the checking account or the account is closed, the discount on their student loan will cease. Discounts subject to change without notice and cannot be combined with the Laurel Road Linked Savings discount. For more information on the Laurel Road Checking Account visit (laurelroad.com/refinance-student-loans/checking/#rates-fees-jump. If you choose to make monthly payments automatically by electronic fund transfer (EFT) from a bank account, the rate will decrease by 0.25% and will increase back if you stop making monthly payments (or we stop accepting) automatically by EFT from your bank account. The 0.25% AutoPay/EFT Discount will not reduce the monthly payment; instead, the discount is applied to the principal to help pay the loan down faster.

  9. After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for forbearance of payments for one or more 3-month time periods (however, a minimum of twelve (12) months are required between any two forbearance periods). Borrowers with a loan term of at least ten (10) years are eligible for up to twelve (12) months of forbearance over the life of the loan; borrowers with a loan term less than ten (10) years are eligible for one (1) month for every year of the loan term (e.g., if a borrower’s loan term is five (5) years they are eligible for up to five (5) months of forbearance over the life of the loan). Borrowers seeking an economic hardship forbearance due to unemployment must have made twelve (12) consecutive monthly payments prior to a forbearance request to be eligible. For any other forbearance due to economic hardship, borrowers must have made nine (9) consecutive monthly payments prior to a forbearance request to be eligible. All requests for forbearance are subject to review, including the review of acceptable documentation (including updating documentation) of the nature and expected duration of the borrower's economic hardship. During any period of forbearance, interest will continue to accrue. Unless otherwise noted, at the end of the forbearance period, any unpaid accrued interest will be capitalized and be added to the remaining principal amount of the loan.

  10. AutoPay / EFT Discount: If you choose to make monthly payments automatically by electronic fund transfer (EFT) from a bank account, the rate will decrease by 0.25% and will increase back if you stop making monthly payments (or we stop accepting) automatically by EFT from your bank account. The 0.25% AutoPay/EFT Discount will not reduce the monthly payment; instead, the discount is applied to the principal to help pay the loan down faster.

  11. A $100 cash bonus offer is available to current non-college student Member Name members who apply and are approved for a Laurel Road Student Loan Cashback Credit Card. The $100 cash bonus will be paid within 45 days of the member's activating the credit card. Existing credit card customers are not eligible. If you were the primary owner on a Laurel Road Student Loan Cashback Credit Card within the prior 24 months, you are not eligible. The value of the bonus may be reported to the IRS on Form 1099-INT.

  12. You will earn 2.0% in Cashback Rewards for each $1 spent on eligible Purchases if you redeem your Cashback Rewards towards your Student Loan with an eligible servicer. This equates to $0.02 in Cashback Rewards, for each $1 spent. For example, if you spend $100, you will earn $2.00 in Student Loan Credit. You will earn 1.0% in Cashback Rewards for each $1 spent on eligible Purchases if redeemed for a statement credit. This equates to $0.01 in Cashback Rewards, for each $1 spent. For example, if you spend $100, you will earn $1.00 in Cashback Rewards. For more information visit https://www.laurelroad.com/cash-back-credit-card/#disclaimer.

  13. For a full list of eligible loan servicers, visit https://www.laurelroad.com/faq/which-student-loan-servicers-do-you-work-with-for-the-laurel-road-student-loan-cashback-card/.

  14. Introductory offer: For a limited time earn a cashback reward after spending $3,000 within the first 90 days of account opening. Offer is subject to change at any time. The cashback reward amount will be $300 if redeemed towards student loans with an eligible servicer. The cashback reward amount will be $150 if redeemed for statement credit. Cashback is awarded based on eligible credit card purchases. For more information, visit laurelroad.com/faq/how-do-i-get-the-introductory-offer-for-the-laurel-road-student-loan-cashback-card/.

  15. In order to receive the $100, Member Name Members must open a Laurel Road High Yield Savings account, the cash bonus will be paid out within 45 days of account opening. No minimum balance is required to open the account or receive the $100 cash bonus. Limit one cash bonus per qualifying Laurel Road High Yield Savings account holder. Limit one offer per qualifying account and per individual. If you were the primary owner on a Laurel Road High Yield Savings account within the prior 24 months, you are not eligible. The value of the bonus may be reported to the IRS on Form 1099-INT.

  16. The variable Annual Percentage Yield (APY) indicated is accurate as of August 1, 2023, and is subject to change at any time. No minimum balance is required to earn the APY. Fees may reduce earnings on the account. For current rates visit laurelroad.com/high-yield-savings-account/#rates-fees-jump.  

  17. A 0.25% mortgage interest rate reduction (the “Rate Discount”) is available to borrowers that are an active Member Name member no less than five (5) days prior to closing. The Rate Discount cannot be combined with any other interest rate incentives or reductions, applies only to new Loan applications, may not be available for all products, and becomes effective at closing (if applicable). For fixed-rate mortgages, the Rate Discount will be reflected in the interest rate on the Promissory Note. For adjustable-rate mortgages (“ARMs”), the Rate Discount will apply to the initial fixed interest rate period and will be reflected in the maximum amount the interest rate can increase of the term of the loan, subject to the minimum interest rate that may be charged per the terms of the Promissory Note or Agreement. Other restrictions may apply. Ask us for details.

  18. Only available to interns, residents, fellows, doctors, dentists, clinical professors, researchers, or managing physicians with a current license and a degree of Doctor of Medicine (MD), Doctor of Osteopathic Medicine (DO), Doctor of Podiatric Medicine (DPM), Doctor of Dental Surgery (DDS), or Doctor of Dental Medicine (DMD). Doctors and dentists that are not actively practicing are ineligible. Additional conditions and restrictions apply.

  19. A lender credit of up to $650 (the “Lender Credit”) is available to borrowers that are an active Member Name member no less than five (5) days prior to closing. The Lender Credit cannot exceed borrowers' actual costs to close, may be combined only with certain special purpose lender credits, applies only to new Loan applications, and becomes effective at closing (if applicable). Other conditions or restrictions may apply.

  20. The 0.25% Member Name member interest rate discount (“Member Discount”) is offered to personal loan applicants who are active Member Name Members. An additional 0.25% interest rate discount is also available to Member Name members who make personal loan payments through reoccurring electronic fund transfers (EFT) ( “AutoPay Discount”). The Member Discount and AutoPay Discount are only available at loan origination and at no other time, and will go into effect on the date the loan funds are disbursed. The Member Discount cannot be combined with any other offer, except the AutoPay Discount. Theses offers are subject to change without notice. This offer is not guaranteed if you do not meet Laurel Road’s personal loan or AutoPay Discount criteria. Laurel Road is not responsible for, and will not honor, promotional offers that appear on third-party websites that are not authorized by Laurel Road.

  21. LOAN AMOUNT: Minimum loan amount of $5,000. Maximum amount of $35,000 for loan purposes of Auto Purchase, Business, Green Loan, Moving Expenses, and Other. Maximum loan amount of $45,000 for loan purposes of Debt Consolidation, Major Purchase, and Home Improvement. Additional proof of use documentation is required to be eligible for loan amounts in excess of $35,000. If you a practicing Doctor [Doctor of Medicine (MD) or Doctor of Osteopathic Medicine (DO)] or Dentist [Doctor of Medicine in Dentistry or Doctor of Dental Medicine (DMD) or Doctor of Dental Surgery (DDS)] or if you are a resident, with one of the aforementioned degrees and a contract to start practicing within 12 months of application approval, you may be eligible to borrow up to $80,000.

  22. AutoPay/EFT Discount: if the borrower chooses to setup monthly payments automatically by electronic fund transfer (EFT) from a bank account before closing, the interest rate will decrease by 0.25%. The discount will be reflected in your monthly payment.

  23. The 0.25% Member Name member interest rate discount is offered for approved loan applications from a business with an owner that is an active Member Name member. This interest rate discount will be deducted from the standard rate the loan applicant would otherwise be approved for. Offer cannot be combined with other offers.

Estimated Student Loan Payment Examples

Assumptions: Repayment examples below assume a loan amount of $10,000 with repayment beginning immediately following disbursement. Repayment examples do not include any discounts.
Fixed Rate Loans
Term Interest Rate APR No. of Payments Monthly Payment Total Payments
5 Year
7 Year
10 Year
15 Year
20 Year

 

Variable Rate Loans
Term Interest Rate APR No. of Payments Monthly Payment Total Payments
5 Year
7 Year
10 Year
15 Year
20 Year

Annual Percentage Rate (“APR”): This term represents the actual cost of financing to the borrower over the life of the loan expressed as a yearly rate.

Interest Rate: A simple annual rate that is applied to an unpaid balance.

Variable Rates: The current index for variable rate loans is derived from the 30-day Average Secured Overnight Financing Rate (“SOFR”) and changes in the SOFR index may cause your monthly payment to increase. Although the rate will vary after you are approved, it will never exceed 15.00%. There is no limit on the amount your interest rate can increase at one time. The Index is currently published by the Federal Reserve Bank of New York (“New York Fed”). If the Index is no longer available, it will be replaced by a replacement Index according to the terms of the promissory note.

Physicians & Dentists Personal Loan Estimated Payment Examples

Assumptions: Repayment examples below assume a loan amount of $10,000 with repayment beginning immediately following disbursement. Repayment examples do not include any discounts.
Fixed Rate Loans
Term Interest Rate APR No. of Payments Monthly Payment Total Payments
3 Year 6.25% – 21.00% 6.25% – 21.00% 36 $305 - $377 $10,993 - $13,563
5 Year 7.25% - 22.75% 7.25% - 22.75% 60 $199 - $280 $11,952 - $16,828
7 Year 8.25% - 24.50% 8.25% - 24.50% 84 $157 - $250 $13,197 - $20,994

 

Annual Percentage Rate (“APR”): This term represents the actual cost of financing to the borrower over the life of the loan expressed as a yearly rate.

Interest Rate: A simple annual rate that is applied to an unpaid balance.

KEYBANK NATIONAL ASSOCIATION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. This information is current as of July 10, 2023. Information and rates are subject to change without notice.
Terms and Conditions

STUDENT LOAN REFINANCING – TERMS AND CONDITIONS

ELIGIBILITY & ELIGIBLE LOANS

Borrower, and Co-signer if applicable, must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between “Resident Since” date and “Card Expires” date or has no expiration date); state that they are of at least borrowing age in the state of residence at the time of application; and meet Lender underwriting criteria (including, for example, employment, debt-to-income, disposable income, and credit history requirements).

Borrowers may refinance any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school.

Borrower must have graduated or be enrolled in good standing in the final term preceding graduation from an accredited Title IV U.S. school and must be employed, or have an eligible offer of employment. Parents looking to refinance loans taken out on behalf of a child should refer to https://www.laurelroad.com/refinance-student-loans/refinance-parent-plus-loans/ for more information.

For Associates Degrees: Only associates degrees earned in one of the following are eligible for refinancing: Cardiovascular Technologist (CVT); Dental Hygiene; Diagnostic Medical Sonography; EMT/Paramedics; Nuclear Technician; Nursing; Occupational Therapy Assistant; Pharmacy Technician; Physical Therapy Assistant; Radiation Therapy; Radiologic/MRI Technologist; Respiratory Therapy; or Surgical Technologist. To refinance an Associates degree, a borrower must also either be currently enrolled and in the final term of an associate degree program at a Title IV eligible school with an offer of employment in the same field in which they will receive an eligible associate degree OR have graduated from a school that is Title IV eligible with an eligible associate and have been employed, for a minimum of 12 months, in the same field of study of the associate degree earned.

LOAN AMOUNT

For bachelor’s degrees and higher, up to 100% of outstanding private and federal student loans (minimum $5,000) are eligible for refinancing.

For eligible Associates degrees in the healthcare field (see Eligibility & Eligible Loans section above), Lender will refinance up to $50,000 in loans for non-ParentPlus refinance loans. Note, parents who are refinancing loans taken out on behalf of a child who has obtained an associates degrees in an eligible healthcare field are not subject to the $50,000 loan maximum, refer to https://www.laurelroad.com/refinance-student-loans/refinance-parent-plus-loans/ for more information.

FEE INFORMATION

There are no origination fees or prepayment penalties associated with the loan. Lender may assess a late fee if any part of a payment is not received within 15 days of the payment due date. Any late fee assessed shall not exceed 5% of the late payment or $28, whichever is less. A borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.

PHYSICIAN & DENTAL LOAN – TERMS AND CONDITIONS

FEE INFORMATION

There are no origination fees or prepayment penalties associated with the loan. A late fee may be assessed if any part of a payment is not received within 15 days of the payment due date. Any late fee assessed shall not exceed 5% of the late payment or $28, whichever is less. A borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.

LOAN AMOUNT

If you a practicing Doctor [Doctor of Medicine (MD) or Doctor of Osteopathic Medicine (DO)] or Dentist [Doctor of Medicine in Dentistry or Doctor of Dental Medicine (DMD) or Doctor of Dental Surgery (DDS)] or if you are a resident, with one of the aforementioned degrees and a contract to practice starting within 12 months, you may borrow up to $80,000 (minimum loan amount of $5,000).

ELIGIBILITY

Must be a U.S. Citizen, or Permanent Resident with a valid I-551 card and meet Lender underwriting criteria (including, for example, employment, debt-to-income, disposable income, and credit history requirements). Must also have a Doctor of Medicine (MD), Doctor of Osteopathic Medicine (DO), Doctor of Medicine in Dentistry or Doctor of Dental Medicine (DMD), Doctor of Dental Surgery (DDS).