Why Laurel Road for Doctors?

DOCTORS HAVE BRIGHT FUTURES. WE THINK THAT'S WORTH INVESTING IN.

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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.

Student Loan Consultation

Student Loan Consultation

Weigh your student loan options with an expert guide.

If you have a federal student loan, you can schedule a free 30-minute consultation with one of our student loan specialists1 to get the facts and develop your personalized plan.

Laurel Road helps borrowers qualify for an average of over $118k in federal student loan forgiveness.2 And as an NHMA Member, you can get a 20% discount on an annual forgiveness counseling membership.3

Don’t have federal student loans? Explore your student loan refinancing options below.

By submitting this form you agree to our User Agreement and Online Privacy Statement. As part of your request to schedule a consultation, you are agreeing to receive emails from GradFin related to your Student Loan consultation. Emails include but are not limited to Consultation Scheduling, Membership Counseling Information Request, Appointment Reminders, and Membership Signup.

Our student loan consultation will help you:

Apply for IDR

Understand your Income-Driven Repayment (IDR) and forgiveness options.

Navigate PSLF

See if you qualify and help you stay on track for Public Service Loan Forgiveness (PSLF).4

Explore Refinancing

Compare simple refinancing options that could help you save on student loans.

Stay the Course

If you're already in the right repayment program, GradFin helps you stay on track.

Student Loan Refinancing
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Student Loan Refinancing

NHMA Members get a 0.25% rate discount.5

Discover your personalized rate options online in only a few minutes—with no impact to your credit score!6

Check My Rates

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.

Why Refinance Student Loans with Laurel Road?

Low fixed and variable rates available when refinancing student loans

We don't charge any application or origination fees or prepayment penalties

Up to 12 months of forbearance is available7

Additional 0.25% discount when automatic monthly payments are made from a bank account8

High Yield Savings
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Laurel Road High Yield Savings®

Earn 3.80% Annual Percentage Yield (APY).9

NHMA members can earn competitive rates on your entire account balance and make every dollar count.

Plus, no minimum balance to open, and no monthly maintenance fees.

View Laurel Road High Yield Savings Rates & Fees



Get Started

Questions come up, and we have answers.

Frequently Asked Questions

  • STUDENT LOAN

    Can I still take advantage of federal benefits after I refinance my federal loans with Laurel Road?

    If you are refinancing any federal student loans with Laurel Road, you will no longer be able to take advantage of federal income driven repayment programs or student loan forgiveness, including but not limited to: 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/.

  • STUDENT LOAN

    Why should I refinance my student loan?

    Refinancing student loans may add up to significant savings. For example, if you refinance multiple loans into one loan with a lower rate, and keep the loan term the same, you will accrue less interest over the life of the loan, saving you money on a monthly basis and over the course of the loan.

  • STUDENT LOAN

    How does the student loan refinancing process work?

    It’s actually pretty simple – the entire application is completed online, and you can receive preliminary rate in as little as 5 minutes.

    1. Fill out a short application with basic information about your loan, education, and employment. Once you authorize a soft credit pull and assuming you have provided enough information, we will provide you with preliminary rates, which are conditional upon further underwriting review and authorize a hard credit pull.
    2. Upload your supporting documents to Laurel Road’s secure dashboard and authorize a hard credit pull to complete your online application. Once we have received your application, we will underwrite your loan and provide you with your final rates and loan terms if approved.
    3. Select your loan type and term, and e-sign all necessary disclosures and your promissory note in the Laurel Road dashboard.

    Laurel Road will pay off your student loans to your current lenders and provide you with instructions to set up the servicing of your new loan. Your first payment to Laurel Road will be due one month from your disbursement date.

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