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For more information on our COVID-19 response, including how to request a forbearance, click here.

Online Loans and Refinancing

You could save thousands on student loans.1

Low rates. Simple process. Every reason to celebrate.

Check Your Rate

Why Laurel Road

Our lending technology builds the right loan for you.


ZERO application fees and prepayment penalties

Smart &

Fast technology backed by a national bank lending in all 50 states


Our customers love us—we've funded over $7 Billion in loans

What Our Customers Think

Laurel Road gave me the best interest rate to make my crazy student loans more manageable!

Joyce F.

American Osteopathic Association

It was a huge relief to finally get my loans under control. My already low interest rate became even lower…customer service was available at every step of the way…I certainly recommend Laurel Road.

Joan G

Student Loan Refinancer

Top notch. It is super easy to use and the customer service is the best of any refinance company I looked at. Nothing but satisfied.

Brent L.

Student Loan Refinancer

Financial Wellness

From application through funding, we've got your back.

With our expert chat and loan resources, you can lean on us to help steer you towards financial freedom.

Explore Our Resource Hub

Mortgages Made Easy

Thinking about home ownership?

Whether you're looking to buy or refinance, our smart tech and streamlined process builds your loan almost entirely online. And as a trusted national lender, our experts are here for you — every step of the way.

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Employer Partnerships

Support your team

Unique financial benefits for the forward-thinking employer.

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Association Partnerships

Benefits with real value

Easily incorporate Laurel Road's student loan benefits into your association's offerings.

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Laurel Road in the News

We're leading the conversation.

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  • Laurel Road’s Kaitlin Walsh-Epstein Talks to CNBC on How to Get Started Paying Back Your Student Loans

    For recent college grads just now facing their first bill, here’s what you need to know. Laurel Road's…
    Read More
  • Laurel Road Awarded In U.S. News & World Report’s Roundup of the Best Private Student Loans of 2019

    Laurel Road has been awarded "Best Lender With A Co-Signer Option" in U.S. News & World Report's roundup…
    Read More
  • FinTech Breakthrough Awards Recognize Laurel Road in 2019 Awards Program

    "From dramatically improved customer experiences to increased operational efficiencies, the FinTech industry accomplished a stellar year and we…
    Read More
  • Medical student loans: Federal Repayment vs. Private Refinancing

    Our very own Alex Macielak sat down for a conversation with anesthesia fellow Chirag Shah, MD, to take…
    Read More


  1. Savings vary based on rate and term of your existing and refinanced loan(s). Refinancing to a longer term may lower your monthly payments, but may also increase the total interest paid over the life of the loan. Refinancing to a shorter term may increase your monthly payments, but may lower the total interest paid over the life of the loan. Review your loan documentation for total cost of your refinanced loan.

    If you are refinancing any Federal Student Loans with us, you will no longer be able to take advantage of Federal Student Loan repayment options, including but not limited to Income Based Repayment (IBR), Public Service Loan Forgiveness (PSLF), or Pay As You Earn (PAYE) or Revised Pay As You Earn (REPAYE). Additionally, Federal Student Loans offer deferment, forbearance and loan forgiveness options that may not be available with Laurel Road. For more information about these benefit programs and other Federal student loan programs, please visit https://studentloans.gov.

  2. 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.

  3. After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive 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. 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.

  4. Automatic Payment (“AutoPay”) Discount: if the borrower chooses to make monthly payments automatically from a bank account, the interest rate will decrease by 0.25% and will increase back if the borrower stops making (or we stop accepting) monthly payments automatically from the borrower's bank account. The 0.25% AutoPay discount will not reduce the monthly payment; instead, the discount is applied to the principal to help pay the loan down faster.