Also known as: Laurel Road; Laurel Road Bank
Laurel Road is a digital lending platform that is part of KeyBank, one of the largest regional banks in the United States. It focuses primarily on student loan refinancing and personal loans targeted at healthcare professionals, though some products are available to a broader audience. Laurel Road has built a specialty in serving doctors, nurses, dentists, and other licensed healthcare workers who often have large student loan balances and specific financial needs during and after training.
For student loan refinancing, Laurel Road allows borrowers to consolidate and refinance federal and private student loans into a single new private loan, potentially at a lower interest rate or with different repayment terms. Refinancing federal loans into a private loan permanently removes access to federal benefits such as income-driven repayment plans, Public Service Loan Forgiveness, and federal deferment or forbearance options. This is a significant tradeoff that borrowers should evaluate carefully before refinancing federal loans.
Laurel Road also offers personal loans that can be used for home improvement, debt consolidation, and other expenses. Personal loan products may offer competitive rates to well-qualified applicants, particularly healthcare professionals.
For medical residents and fellows, Laurel Road has historically offered student loan refinancing options with lower monthly payments during training, which can be a practical tool for managing debt while income is limited.
Because Laurel Road is part of KeyBank, it is a regulated bank lender. Compare all refinancing or loan offers against other lenders before committing, and consult a financial advisor before refinancing any federal student loans, as the decision is irreversible. Laurel Road's products are funded through KeyBank, which is FDIC-insured.
Quick info
Personal Loans
Laurel Road; Laurel Road Bank
KeyCorp
FDIC-insured. Division of KeyBank National Association.
2026-06-06
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Student loan refinancing; personal loans; mortgages (for healthcare professionals)
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Date checked
2026-06-06
How do I make a complaint about Laurel Road?
Start with Laurel Road's internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is Laurel Road regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find Laurel Road's official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think Laurel Road has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a Laurel Road issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
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