Also known as: Laurel Road Student Refinancing
Laurel Road is a digital banking brand that offers student loan refinancing and, historically, private student loans for healthcare and other graduate professionals. It operates as part of KeyBank and is particularly focused on serving borrowers in medicine, dentistry, nursing, and other healthcare fields.
Before considering Laurel Road's student loan refinancing, it is important to understand what refinancing means for federal student loans. If you refinance federal loans through Laurel Road or any private lender, you permanently give up access to federal income-driven repayment plans, Public Service Loan Forgiveness, and other federal protections. This cannot be reversed. Refinancing federal loans is generally only worth considering if you have stable income, do not plan to pursue loan forgiveness, and can secure a meaningfully lower interest rate.
For healthcare professionals specifically, Laurel Road may offer terms tailored to training periods, such as options to make reduced payments during residency or fellowship before transitioning to full payments. This feature is designed to reflect the reality that early-career physicians and nurses may have limited income during training.
Refinancing rates are offered in fixed and variable formats. Fixed rates provide payment certainty. Variable rates may start lower but can change based on market indexes. The rate you receive depends on your creditworthiness and income.
For borrowers considering private student loans rather than refinancing, Laurel Road has offered products for students in qualifying healthcare programs. Eligibility, availability, and product details should be confirmed directly with Laurel Road.
When evaluating Laurel Road, compare the annual percentage rate, total repayment cost, repayment terms, and any specific features for healthcare professionals against other refinancing options before committing.
Quick info
Student Loans
Laurel Road Student Refinancing
KeyCorp
FDIC-insured. Division of KeyBank.
2026-06-06
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Student loan refinancing for healthcare and other professionals
Additional notes
Note: Refinancing federal loans with a private lender removes access to federal repayment protections including income-driven repayment and forgiveness programmes.Review scores are third-party public indicators only. They are not a recommendation or endorsement by Ask Fin and are not a measure of product suitability for your circumstances.
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Date checked
2026-06-06
Is my loan with Laurel Road Student Loan Refinancing a federal or private loan?
Check your account at StudentAid.gov to see federal loan details. If your loan does not appear there, it is likely a private loan. Your loan agreement or promissory note will also state whether it is federal or private.
What repayment options does Laurel Road Student Loan Refinancing offer?
For federal loans, income-driven repayment plans are generally available regardless of which servicer handles your account. For private loans, options depend on the lender's own hardship programmes. Ask your servicer specifically about deferment, forbearance and income-based options.
How do I complain about Laurel Road Student Loan Refinancing?
For federal loan servicer complaints, contact the FSA Feedback System at studentaid.gov/feedback-center. For private loan complaints, use the CFPB complaint portal at consumerfinance.gov/complaint.
What happens to my loan if Laurel Road Student Loan Refinancing changes?
Federal student loan servicers can change. Your loans and their terms remain the same. Always update your contact information at StudentAid.gov.
Where can I get free help with my student loans?
StudentAid.gov has free tools and information on repayment options. The CFPB has a student loan guide. Be wary of companies that charge fees for help with student loan repayment plans you can access for free.
Check your federal loans at StudentAid.gov. Ask Fin's free tools can help with budgeting around loan payments.
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