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Online Banking and Lending for Doctors

Doctors, you deserve a bank that works as hard as you do.

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Laurel Road now offers more solutions for physicians and dentists, including new banking products that help manage med school debt. Check your student loan rate now, or scroll down to learn more.

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If you refinance a federal student loan with Laurel Road, you will no longer qualify for existing or future benefits offered by the federal government to federal loan holders, including but not limited to the current 0% interest rate and payment suspension, which has been extended to August 31, 2022.

Why Laurel Road for Doctors?

We're guessing you didn't spend eight years in med school to study finance.

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.


What our customers think

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

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What our customers think

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 qualify for much on paper if that potential is not considered."

Dr. Linda D.

Child & Adolescent Psychiatrist

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What our customers think

I am very happy about the experience I had refinancing my loans through Laurel Road’s Residency Refinance Program. Laurel Road understands the unique situation that residents are in."

Dr. Greg P.

Medical Resident

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Path Copy Path Copy View Testimonials

Managing your student loan debt just got 3X easier:

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Student Loan Refinancing

Find out how simple refinancing can be.

Because we offer a fast, easy online process with zero added costs or fees, refinancing your student loans has never been easier—and may save you thousands.6

See important information about your federal loans here.

Learn More
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NEW! Checking + Med School Refinancing

Switch your checking to save even more.

When you open a Laurel Road Linked CheckingSM account during refinancing, you can access student loan refi rates as low as 1.37%% variable APR when you set up qualifying monthly direct deposits.1

Plus, get a $300 cash bonus with $2,500 in direct deposits.8

Learn More
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NEW! Laurel Road Student Loan Cashback® Card

Redeem 2% cashback towards any eligible student loan.2

Now every dollar you spend can help you pay down your student loans when you redeem 2% cashback towards your loans with 95% of U.S. loan servicers.7

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Why Laurel Road for Doctors?


We understand that your time is limited (and precious), so our Perks! offers are curated for convenience, ease, and the savings you need most.

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Financial Insights for Doctors


Introducing peer-comparison data tools, customized plans for your financial goals, and personal finance content based on your career stage, specialty, and location.

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Financial Resources


Lean on us to help steer you towards financial freedom.

Explore Our Resource Hub

Financial solutions for employees and members

Employer Partnerships


Unique financial benefits for the forward-thinking employer.

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Association Partnerships


Easily incorporate Laurel Road for Doctor benefits into your association's offerings.

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Laurel Road for Doctors in the News


Learn More doctor wearing scrub and mask, and perform an operation. Laurel Road loan for doctors

In AMA’s Making the Rounds, Laurel Road’s Head of Mortgage Talks About the Real Estate Market and Financial Strategies for Residents

Physician mortgages first and foremost, really take into consideration the income potential and credit quality that...

Read More

In Dentistry Today, Laurel Road Discusses How Dentists Can Pay Off Their Student Debt

According to the ADA, 64% of dental school graduates report having more than $200,000 in debt....

Read More

Dermatology Times Highlights Survey Findings From Survey by Laurel Road and The White Coat Investor

The survey was conducted among 750 U.S. physicians and dentists. It looked to understand what impact the pandemic...

Read More

Laurel Road’s Christina Klenotic Talks to CNBC About How the Pandemic Is Shifting Women’s Approach to Finances

After the last year, women are more eager to learn about their personal finances, especially women of color....

Read More


All credit products are subject to credit approval

If you are refinancing any federal student loans with Laurel Road, you will no longer be able to take advantage of any federal benefits, including but not limited to: COVID-19 payment relief, Income Based Repayment (IBR), Pay As You Earn (PAYE), or Revised Pay As You Earn (REPAYE), and Public Service Loan Forgiveness (PSLF). For more information about the benefits of these federal programs and other federal student loan programs, please visit https://studentaid.gov.

  1. Annual Percentage Rates (APRs) shown are as of September 23, 2021 and subject to increase without notice. Based on applications between July 2019 to June 2021, approximately 11% of applicants qualified for our lowest advertised rate. Lowest rate quoted above assumes excellent credit and low debt, housing, and alimony expenses relative to income. Otherwise, a higher rate will apply. Rate shown above includes a 0.55% discount for having a qualifying direct deposit of at least $7,500 credited to a Laurel Road Checking account for every statement period of the term of the loan, a 0.25% discount for AutoPay, and a loan with a term of 60 months. Variable APRs are subject to increase after consummation.

    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.

  2. 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.

    Cashback is awarded based on eligible credit card purchases excluding transactions such as cash advances of any type, balance transfers, convenience check transactions, overdraft protection transfers and quasi-cash transactions. See Terms & Conditions, which are subject to change.

    The creditor and issuer of this credit card is KeyBank N.A., pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

  3. Eligibility: Laurel Road Perks! for Doctors and Financial Insights are available to current Laurel Road Members with an existing checking or savings account, credit card, student loan, personal loan, or mortgage who are physicians and dentists, including interns, residents, fellows, clinical professors, researchers, and managing physicians or dentists with one of the following qualifying medical or dental degrees: Doctor of Medicine, Doctor of Osteopathic Medicine, Doctor of Dental Surgery, Doctor of Medicine in Dentistry/Doctor of Dental Medicine, Doctor of Audiology, Doctor of Chiropractic, Doctor of Naturopathic Medicine, Doctor of Optometry, Doctor of Podiatry, or Doctor of Veterinary Medicine.

  4. In order to open a Laurel Road High Yield Savings account you must be either an existing Laurel Road customer or a new customer with the following degrees: 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), Doctor of Optometry (OD), Doctor of Audiology (AuD), Doctor of Naturopathic Medicine (ND), Doctor of Podiatric Medicine (DPM), Doctor of Veterinary Medicine (DVM), or Doctor of Chiropractic (DC).

  5. Fees may reduce earnings on the account. National average Annual Percentage Yield (APY) reported by the FDIC as of 3/8/2021 (fdic.gov/regulations/resources/bankers/national-rates).

  6. 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.

  7. For more information on eligible servicers please visit our FAQ.

  8. Effective February 1, 2022, you must open a Laurel Road Checking account simultaneously while refinancing your student loan with Laurel Road by 06/30/22 at 11:59 p.m. (ET) and make one or more qualifying direct deposits via an Automated Clearing House (ACH) transaction into the Laurel Road Checking account totaling at least $2,500 within the first 60 days after account opening to receive the $300, which will be deposited into your account within 60 days of meeting requirements. Click here for current Laurel Road Checking Rates. Normal account service charges and miscellaneous charges may apply to the Laurel Road Checking, which may reduce earnings. Qualifying ACH direct deposit transactions include most payroll, Social Security, pension and government benefits deposits. Limit one bonus per qualifying account and per individual. The value of the bonus will be reported to the IRS on Form 1099-INT. If you close your account within the first 180 days of account opening, you will be charged a $25 account early closure fee. Accounts overdrawn or closed at the time of bonus payment are not eligible. Offer is subject to cancellation without notice and cannot be combined with any other bonus offer. 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.

This information is current as of September 23, 2021. Information and rates are subject to change without notice.