Practice Financing

Refinance your optometry school loans to lower interest rates.

Laurel Road specializes in helping doctors of optometry refinance optometry school loans when the time is right. Laurel Road offers an easy, FREE application process that is entirely online. Plus, you’ll get preliminary interest rates in minutes with no obligation to accept. Laurel Road is a brand of KeyBank National Association. All loans are provided by KeyBank.

AOA members automatically receive a 0.25% rate discount* for maintaining their membership. Join the many customers at Laurel Road who have saved thousands of dollars.** To learn more about the AOA and Laurel Road refinancing program, please click here.

Questions? Contact or call 855.245.0989.

Laurel Road

Get your rate



Step 1: Online Pre-Qualification

Fill out a short online application and Laurel Road will give you preliminary rates in minutes. If you’re looking for more information to help you get started, read our Frequently Asked Questions.

Step 2: Upload Documents

If you like your rates, you’ll upload verifying documents for Laurel Road to review and send you a final rate, if you qualify. You will need to upload documents such as:

  • Photo ID
  • 2 recent pay stubs
  • Proof of graduation
  • Loan statements indicating payoff amounts

Step 3: Final Rates

If the information in your documents matches what you provided, your final rates should be the same as the preliminary offers. To view a Rate Chart and Rate Calculator, click here

Step 4: Acceptance & Funding

Once you accept the terms of the loan, Laurel Road will pay off your existing loans. You’ll have the option to set up automatic payments to receive an additional 0.25% rate discount.***

get your rate

*The 0.25% AOA member discount is offered for applications from AOA members in good standing.  Offer cannot be combined with other offers, including the Referral Program.

**Savings vary based on rate and term of your existing and refinanced loan(s).  Review your loan documentation for total cost of your refinanced loan.

***To qualify for the ETF discount of 0.25%, monthly payments must be paid automatically from a bank account.