UNIVERSITY HOSPITALS EMPLOYEE BENEFITS

To be considered eligible for the “$30 for 30 minutes” offer, recipients must Member Name employee and live in the United States, and have student loans at the time of consultation. Offer is valid to recipients who sign up for their consultation by April 30th and complete consultation by May 31st. One $30 Lyft gift card will be emailed to qualifying recipients within 45 calendar days to the email address that was provided at sign-up. Limit 1 gift card per recipient, while supplies last. Consultations will be done on a first come, first serve basis. This offer is subject to cancellation at any time and without notice. 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.

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

Member Name employees get a $125.00 discount on an annual Public Service Loan Forgiveness (“PSLF”) program membership with GradFin (“Offer”). The discount will be applied on the current annual membership fee of $249.00 and will automatically apply at checkout. This Offer is only available to current Member Name employees, is non-transferable and cannot be applied to previous membership purchase(s). This Offer cannot be redeemed for cash or combined with other offers and is subject to cancellation at any time and without notice.

To qualify for Public Service Loan Forgiveness (PSLF), you must be employed by a U.S. federal, state, local, or tribal government or not-for-profit organization (federal service includes U.S. military service); work full-time for that agency or organization; have Direct Loans (or consolidate other federal student loans into a Direct Loan); repay your loans under an income-driven repayment plan; and make 120 qualifying payments. For full program requirements, visit: https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service.

The 0.25% Member Name employee interest rate discount is offered on new student loan refinance applications from active Member Name employees. The Member Name discount is applied to your monthly payment and will be reflected in your billing statement. The Member Name employee discount is only available at loan origination and at no other time, and will go into effect on the date the loan funds are disbursed. This offer cannot be combined with any other discounts from Laurel Road affiliated partners or employers.

Checking your rate with Laurel Road only requires a soft credit pull, which will not affect your credit score. To proceed with an application, a hard credit pull will be required, which may affect your credit score.

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.

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.

After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for forbearance of payments for one or more 3-month time periods (however, a minimum of twelve (12) months are required between any two forbearance periods). Borrowers with a loan term of at least ten (10) years are eligible for up to twelve (12) months of forbearance over the life of the loan; borrowers with a loan term less than ten (10) years are eligible for one (1) month for every year of the loan term (e.g., if a borrower’s loan term is five (5) years they are eligible for up to five (5) months of forbearance over the life of the loan). Borrowers seeking an economic hardship forbearance due to unemployment must have made twelve (12) consecutive monthly payments prior to a forbearance request to be eligible. For any other forbearance due to economic hardship, borrowers must have made nine (9) consecutive monthly payments prior to a forbearance request to be eligible. All requests for forbearance are subject to review, including the review of acceptable documentation (including updating documentation) of the nature and expected duration of the borrower's economic hardship. During any period of forbearance, interest will continue to accrue. Unless otherwise noted, at the end of the forbearance period, any unpaid accrued interest will be capitalized and be added to the remaining principal amount of the loan.

AutoPay / EFT Discount: If you choose to make monthly payments automatically by electronic fund transfer (EFT) from a bank account, the rate will decrease by 0.25% and will increase back if you stop making monthly payments (or we stop accepting) automatically by EFT from your bank account. The 0.25% AutoPay/EFT Discount will not reduce the monthly payment; instead, the discount is applied to the principal to help pay the loan down faster.

Primary account holder is eligible to earn monthly rewards of up to $20 a month from the second through thirteenth statement periods, which is considered your “first year.” From the fourteenth statement period onward, the eligible reward will be $10/month for as long as the Laurel Road Loyalty Checking account (“Account”) is open. To earn monthly rewards, you must make qualifying Automated Clearing House (ACH) direct deposits into the Account totaling at least $2,500 during the statement period. If you were the primary owner on another Laurel Road checking account at any time within the prior 24 months of Account opening, rewards are limited to $10 per statement period during the life of the Account. Qualifying Direct Deposit – A direct deposit from an employer payroll, payroll provider service, or benefits payer (such as Social Security or Military Pay), pension, and must be clearly identifiable to Laurel Road as such. Non-Qualifying Deposits – Person to Person payments such as but not limited to (Zelle, PayPal, Cash App, or Venmo). Mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions. In addition, any deposit to which Laurel Road deems to not be a qualifying direct deposit. Only one Loyalty Checking account per primary account holder. Account must be in good standing and cannot be closed at the time of reward payment. Offer is subject to cancellation or change without notice, and cannot be combined with other checking bonus, reward, or rate discount offers, excluding any promotional offer for opening the Account. The value of the monthly rewards may be reported to the IRS on Form 1099-INT.

You must open a Laurel Road Loyalty Checking account by 04/30/2024 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 Loyalty Checking account totaling at least $2,500 within the first 60 days after account opening to receive the $100, which will be deposited into your account within 60 days of meeting requirements. Qualifying Direct Deposit – A direct deposit from an employer payroll, payroll provider service, or benefits payer (such as Social Security or Military Pay), pension, and must be clearly identifiable to Laurel Road as such. Non-Qualifying Deposits – Person to Person payments such as but not limited to (Zelle, PayPal, Cash App, or Venmo). Mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions. In addition, any deposit to which Laurel Road deems to not be a qualifying direct deposit. You are not eligible for the bonus if you were the primary owner on any Laurel Road checking account within the prior 24 months before opening the new checking account. The bonus value may be reported to the IRS on Form 1099-INT. Accounts must be in good standing and cannot be closed at the time of bonus payment. Offer is subject to cancellation without notice and cannot be combined with any other checking account 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. Click here for current Laurel Road Loyalty Checking Rates. Normal account service charges and miscellaneous charges may apply to the Laurel Road Loyalty Checking, which may reduce earnings.

This offer is only available to current Member Name employees and is non-transferable. In order to receive the promotional offer of $100.00, Member Name employees must open a Laurel Road Loyalty Checking Account (LCA). The $100.00 will then be deposited into your new Laurel Road LCA within forty-five (45) business days of account opening and will be labeled as “Promotional Offer”. No minimum balance is required to open an LCA or receive the $100.00 promotional offer. Limit one promotional offer per qualifying Laurel Road LCA holder. Limit one offer per qualifying account and per individual. If you were the primary owner on a Laurel Road LCA within the prior twenty-four (24) months, you are not eligible. The value of the promotional offer may be reported to the IRS on Form 1099-INT. This offer is subject to cancellation at any time and without notice. This offer is not guaranteed if you do not meet Laurel Road’s LCA criteria and cannot be combined with any other offer. Laurel Road is not responsible for, and will not honor, promotional offers that appear on third-party websites and are not authorized by Laurel Road.

In order to receive the $100, Member Name employees must open a Laurel Road High Yield Savings account, the cash bonus will be paid out within 45 days of account opening. No minimum balance is required to open the account or receive the $100 cash bonus. Limit one cash bonus per qualifying Laurel Road High Yield Savings account holder. Limit one offer per qualifying account and per individual. If you were the primary owner on a Laurel Road High Yield Savings account within the prior 24 months, you are not eligible. The value of the bonus may be reported to the IRS on Form 1099-INT.

The variable Annual Percentage Yield (APY) indicated is accurate as of August 1, 2023, 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.  

Only available to interns, residents, fellows, doctors, dentists, clinical professors, researchers, or managing physicians with a current license and a degree of Doctor of Medicine (MD), Doctor of Osteopathic Medicine (DO), Doctor of Podiatric Medicine (DPM), Doctor of Dental Surgery (DDS), or Doctor of Dental Medicine (DMD). Doctors and dentists that are not actively practicing are ineligible. Additional conditions and restrictions apply.

The 0.25% Member Name employee interest rate discount (“Employee Discount”) is offered to personal loan applicants who are active Member Name employees. An additional 0.25% interest rate discount is also available to Member Name employees who make personal loan payments through reoccurring electronic fund transfers (EFT) ( “AutoPay Discount”). The Employee Discount and AutoPay Discount are only available at loan origination and at no other time, and will go into effect on the date the loan funds are disbursed. The Member Discount cannot be combined with any other offer, except the AutoPay Discount. Theses offers are subject to change without notice. This offer is not guaranteed if you do not meet Laurel Road’s personal loan or AutoPay Discount criteria. 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.

AutoPay/EFT Discount: if the borrower chooses to setup monthly payments automatically by electronic fund transfer (EFT) from a bank account before closing, the interest rate will decrease by 0.25%. The discount will be reflected in your monthly payment.

The 0.25% mortgage interest rate discount (the “Discount”) is available to borrowers that are an active Member Name employee no less than five (5) days prior to at time of closing. The Discount cannot be combined with any other interest rate incentives, applies only to new Loan applications and becomes effective at closing. For fixed-rate Loans, the Discount is a permanent interest rate reduction reflected in the Promissory Note. For adjustable-rate Loans, the Discount is reflected in the interest rate applicable to the initial fixed rate period and in the maximum amount the interest rate can increase over the term of the Loan. Other restrictions may apply

Laurel Road offers up to $650 in lender's credit towards your mortgage closing costs with participation in the Rewards Program during the application process. Credits cannot exceed borrowers' actual costs to close. For more information on how to obtain the $650 credit, refer to the Rewards Program information here https://www.laurelroad.com/healthcare-banking/mortgage/#disclaimer.