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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.

Student Loan Refi + Checking

Checking that can help put medical school debt in check.

Now you could get rates starting at % variable APR with discounts when you open a Laurel Road Linked Checking® account and set up qualifying direct deposits.2

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Is refinancing now right for you?

You may be asking if now is a good time to take advantage of low rates to refinance. Use the calculator below to compare 
some of the benefits of refinancing. For physicians, dentists, optometrists, and physician assistants, the calculator will 
also show the estimated impact of Laurel Road’s special price reduction.

Student Loan Rates

See rates with Laurel Road Linked Checking®

Use this slider to see how your student loan rates could drop when you open a Laurel Road Linked Checking account.

Laurel Road Linked Checking Monthly Direct Deposits

  • $0
  • $2,500
  • $7,500+
Term Fixed APR With Discounts Variable APR With Discounts
5 year 5.44%—9.60% 5.49%—9.80%
7 year 6.35%—9.80% 6.45%—10.00%
10 year 6.55%—10.00% 6.65%—10.20%
15 year 6.75%—10.20% 6.85%—10.40%
20 year 6.95%—10.39% 7.05%—10.59%

APRs shown include the initial 3-month 0.25% interest rate discount for opening a Laurel Road Linked Checking account.2 Use the slider to calculate the discounted rate for maintaining monthly direct deposits [$0 = 0.00%, $2,500 = 0.25%, $7,500+ = 0.55%]. All rates shown include the AutoPay 0.25% interest rate discount.3 Variable APRs are subject to increase after consummation. Lowest APR(s) reserved for the most credit worthy applicants.2 View Payment Examples Below.

Laurel Road Student Loan Cashback® Card

Redeem 2% cashback toward any eligible student loan.4

Introducing the first credit card that lets you redeem 2% cashback toward your student loans with any eligible servicer.5 Chip away at your student loans with every dollar you spend.

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Frequently Asked Questions

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