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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.


Find more financial flexibility

Apply as soon as you're matched to a residency program.


$100 monthly payments 
during training1

Accrued interest does not compound while in training.


0.25% student loan 
autopay discount2

Interest rate is reduced when automatic payments are set up.

Resident Rates

Repayment Term Fixed APR Variable APR
5 year 5.99%—8.87% 6.17%—9.05%
7 year 6.14%—9.06% 6.33%—9.24%
10 year 6.29%—9.24% 6.48%—9.43%
15 year 6.51%—9.50% 6.70%—9.69%
20 year 6.73%—9.73% 6.92%—9.92%

For residents, eligibility and rates offered will depend on your credit profile, total monthly debt payments, length of residency, and income projections post residency. Variable APRs are subject to increase after consummation. Rates shown above include a 0.25% Autopay discount and reflect a Repayment Term preceded by a 3 year residency period of $100 monthly payments. View Payment Examples below.

Please note that residents or fellows with signed contracts to practice may qualify for our standard rate offerings found here.

More ways to save on your student loans.

Student Loan Refi + Checking®

Checking that can help put medical school debt in check.

Now you could get up to a 0.55% rate discount when you open a Laurel Road Linked Checking® account and set up qualifying monthly direct deposits.3

Learn More
Laurel Road Student Loan Cashback® Card

Redeem 2% cashback toward any eligible student loan.4

Introducing the first 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.

Learn More
Frequently Asked Questions


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