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NEW: Earn % APY with Laurel Road High Yield Savings – our highest rate ever! Learn more here.

Online Banking and Lending for Doctors

Let's find the right treatment plan for your medical school debt.

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Laurel Road now offers more student loan solutions for doctors, including programs that help you manage forgiveness and income-based repayment. Schedule your free student loan consultation with our GradFin specialists1 today.

Why Laurel Road Banking for Doctors?

We're guessing you didn't spend eight years in medical 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.



Because Doctors are so much more than a white coat.

The I'm Also a Doctor docuseries highlights physicians and dentists who pursue extraordinary outside interests, and examines the influence this has on their mental health and careers. This 6-part series series celebrates the individuality of healthcare professionals while recognizing their commitment to providing exceptional care.

Explore the Series

What our members 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

View Testimonials

What our members 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

View Testimonials

What our members 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

Find the right strategy to manage medical school debt:

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Student Loan Consultation

Get student loan help from an expert guide.

Get the facts to understand your student loan forgiveness, repayment, or refinancing options. Our student loan specialists at GradFin can help you develop a personalized plan – with a free 30-minute consultation.

Get Started
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Checking + Medical School Refinancing

Checking that helps put student loans in check.

When you open a Laurel Road Linked Checking® account during refinancing, you can access student loan refi rates starting at % variable APR4 when you set up qualifying monthly direct deposits.

Plus, get a $300 cash bonus with $2,500 in direct deposits.5

See important information about your federal loans here.

Learn More
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Laurel Road High Yield Savings®

Let your savings work harder for you – start earning % APY.2

Take advantage of today's competitive rates with our high yield savings account for doctors. Start earning % APY on your entire account balance – with no minimum balance and $0 costs to open.

Get Started


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.

Learn More

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.

Learn More
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Financial Resources for Doctors


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.

Learn More

Association Partnerships


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

Learn More

Laurel Road for Doctors in the News


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

Laurel Road CMO, Kaitlin Walsh-Epstein, shares ways to meet your savings resolutions in 2023

Balance transfers can sometimes be a useful tool in managing debt. However, you should also be mindful that...

Read More

Houston Chronicle interviews Dr. Phoung from Laurel Road’s I’m Also a Doctor series

A Houston doctor's rock band is featured in a docuseries by Laurel Road highlighting physicians' passions...

Read More

Laurel Road General Manager, Alyssa Schaefer, shares advice for discussing money in new relationships

While it may not be appropriate to divulge your salary and how much you contribute to your 401(k)...

Read More

Laurel Road talks financial compatibility in relationships with Nerdwallet

Financial compatibility is about feeling comfortable with the other person and how they are handling their money, while...

Read More


All credit products are subject to credit approval

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. Please carefully consider your options when refinancing federal student loans and consult Federal Student Aid for the most current information.

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

  2. The variable Annual Percentage Yield (APY) indicated is accurate as of today 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

  3. Fees may reduce earnings on the account. National average Annual Percentage Yield (APY) reported by the FDIC as of 12/19/2022 (fdic.gov/regulations/resources/rates).

  4. Annual Percentage Rate (APR) shown are as of  and subject to increase without notice. Based on applications between 7/1/2021 to 9/30/2022, approximately 10% 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 Linked Checking Account visit www.laurelroad.com/refinance-student-loans/linked-checking/#rates-fees-jump.

  5. You must open a Laurel Road Checking account simultaneously while refinancing your student loan with Laurel Road by 01/08/2024 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. Applications are subject to approval and processing times. 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. If you were the primary owner on any Laurel Road checking account within the prior 12 months before opening the new checking account, you are not eligible for the bonus offer. The value of the bonus may be reported to the IRS on Form 1099-INT. Accounts must be in good standing and cannot be overdrawn or closed at the time of bonus payment. 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.

  6. 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.

  7. 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 or 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.

  8. Deposits are insured up to $250,000. Laurel Road is a brand of KeyBank N.A. KeyBank is Member FDIC. To learn more, contact the FDIC toll-free at 1.877.ASK.FDIC (1.877.275.3342) or visit www.fdic.gov.

This information is current as of April 27, 2023. Information and rates are subject to change without notice.