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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.

Parent Loan Refinancing

Smart saving.
Seamless process.

Our fast and intuitive online process could help you refinance your Federal Parent PLUS loan or private parent loan to a lower rate or shorter term. If your child wishes to assume the remaining debt on their own, they may do so if they meet our lending requirements.

Check Your Rate In 5 Min

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 student loan forgiveness.3

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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%—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.4 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.4 View Payment Examples Below.

More ways to save on your student loans.

Laurel Road Linked Checking®

Lower refi rates when you add a checking account.

You could get rates starting at %4 variable APR when you refinance your parent student loans and open a checking account and enroll in AutoPay — with the potential to save even more with qualifying monthly direct deposits.

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Laurel Road Student Loan Cashback® Card

Redeem 2% cashback towards your eligible student loans.7

Introducing the first card that lets you redeem 2% cashback towards your student loans with 95% of U.S. servicers.8 Chip away at your student loans with every dollar you spend.

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Frequently Asked Questions

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