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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 Refinancing + Checking

Checking that helps put student loans in check.

Now you could get student loan refi rates starting at 1.37%2 variable APR with discounts when you open a Laurel Road Linked Checking® account and set up qualifying direct deposits.

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How much money could you save by refinancing your student loans?

Student Loan Refinancing

How much money could you save by refinancing your student loans?

A lower rate or shorter loan term may save you thousands.3 Click to view our video on how a lower interest rate may help you save – or check out our payment calculator below.

Check Your Rate

Student Loan Consultation

Weigh your student loan options with an expert guide.

Get the facts on student loan repayment, forgiveness, and refinancing options. If you have a combination of federal and private student loans, you can schedule a free 30-minute consultation with one of our student loan specialists. Our team helps borrowers qualify for an average of over $110k in federal student loan forgiveness.4

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Student Loan Rates

See rates with Laurel Road 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%—8.95% 5.49%—9.15%
7 year 5.95%—9.15% 6.15%—9.35%
10 year 6.15%—9.35% 6.35%—9.55%
15 year 6.35%—9.55% 6.55%—9.75%
20 year 6.55%—9.75% 6.75%—9.95%

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.5 Variable APRs are subject to increase after consummation. Lowest APR(s) reserved for the most credit worthy applicants.2 View Payment Examples Below.

Looking to refinance your parent student loans?

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Redeem 2% cashback toward any eligible student loan.


Redeem 2% cashback toward any eligible student loan.7

Introducing the first credit card that lets you redeem 2% cashback toward your student loans with any eligible servicer.8 Chip away at your student loans with every dollar you spend.

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Student Loan Refinance FAQs

Questions? We've got answers.

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