Student Loan Refinancing

You could save on your student loans by refinancing with AOAExcel® ’s endorsed business partner, Laurel Road.

Student loan refinancing

If it is time to refinance your student loans, talk to the team at Laurel Road. Refinancing might help you consolidate your loans into one, manageable amount with one, potentially lower interest rate. AOA members also receive a 0.25% rate discount*, and there's a quick and easy online application you can fill out to get the process started.

Refinance your student loans in 3 easy steps 

Laurel Road specializes in helping doctors of optometry refinance optometry school loans when the time is right. There is no cost to apply and the application process is easy and entirely online. You could discover your rate options online in less than 5 minutes.

CHECK YOUR RATE

Step 1: Check Rate Options

Fill out a short online application. Once you authorize a soft credit pull and assuming you have provided enough information, Laurel Road will provide you with preliminary rates, which are conditional upon further underwriting review and authorize a hard credit pull.

Step 2: Upload documents

Upload the following supporting documents to Laurel Road’s secure dashboard and authorize a hard credit pull to complete your online application. Once Laurel Road has received your application, they will underwrite your loan and provide you with your final rates and loan terms if approved.

Step 3: Choose Loan

Select your loan type and term, and e-sign all necessary disclosures and your promissory note in the Laurel Road dashboard.

Laurel Road will pay off your student loans to your current lenders and provide you with instructions to set up the servicing of your new loan. You'll have the option to set up automatic payments to receive an additional 0.25% rate discount.**

GET STARTED TODAY 

AOAExcel Resource Updates - Student Loan Refinancing

Visit the AOAExcel Resource Updates page for additional Student Loan Refinancing resources and columns.

Colorful letters spelling out 'Student Loan' in front of a laptop

Student Loan Repayment for Doctors of Optometry: Consolidation vs. Refinancing

Finger pointing at Student Loans text on tablet

Student Loan Refinancing for Young ODs: The Basics



Laurel Road logo

1The 0.25% American Optometric Association (AOA) member interest rate discount is offered on new student loan refinance applications from active AOA members. The AOA discount is applied to your monthly payment and will be reflected in your billing statement. The discount will end if the AOA notifies Laurel Road that the borrower is no longer a member. This offer cannot be combined with other member or employee discounts. 2Checking your rate with Laurel Road only requires a soft credit pull, which will not affect your credit score. To proceed with an application, a hard credit pull will be required, which may affect your credit score.

**AutoPay/EFT Discount: if the borrower chooses to make monthly payments automatically by electronic fund transfer (EFT) from a bank account, the interest rate will decrease by 0.25% and will increase back if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the borrower’s bank account. The 0.25% AutoPay/EFT Discount will not reduce the monthly payment;instead, the discount is applied to the principal to help pay the loan down faster.

Laurel Road is a brand of KeyBank N.A. Member FDIC. All products offered by KeyBank N.A. Member FDIC. NMLS #399797. Equal Housing Lender.

Equal Housing LenderMember FDIC

Young doctors: Find your career fit.

Looking for a new optometric career opportunity? Doctors of optometry, including recent graduates from the class of 2020, can search open positions and connect with employers in the AOAExcel Career Center.
Related News

HHS issues guidance on audio-only telehealth, HIPAA rules

The clarification addresses common questions about how doctors can provide audio-only telehealth without running afoul of HIPAA requirements.

Help patients see fireworks safely

While fireworks make for a fun Fourth of July celebration, they can cause injuries when not handled safely. Educate patients on how to prevent eye injuries during the season of fireworks.

AOA 'strong,' 'optometry advancing' leaders report from AOA Congress

The AOA House of Delegates got underway on the second day of Optometry’s Meeting® with reports from the AOA president and executive director on the state of the association.