Student Loan Refinancing

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

Student loan refinancing

Preparing for the end of the Student Loan Payment Holiday Workshop

Preparing for the End of the Student Loan Payment Holiday Workshop
Tuesday, February 15 // 8PM ET / 5PM PT
A Workshop for AOA Members

After multiple extensions, the Student Loan Payment & Interest Holiday is coming to an end on May 1, 2022. This means, thousands of AOA members may be required to resume payment and may begin accruing interest on federally held student loans for the first time in almost 2 years. AOAExcel has teamed up with Laurel Road to provide a free workshop to assist AOA members in navigating the end of the Student Loan Payment Holiday.

Topics Include:

  • How to lower your monthly payments
  • How to get your loans out of default
  • Navigating student loan servicer changes
  • How to re-start auto-payment plans
  • What to look for in a refinancing lender
  • Avoiding student loan debt scams
  • How to receive a 0.25% rate discount 1 as an AOA member

  REGISTER FOR WORKSHOP

AOAExcel & Laurel Road encourage AOA members to bring their own questions to the workshop or email your questions to webinars@laurelroad.com ahead of time. AOAExcel will also be giving away an attendance prize of a Nike Dri-Fit® Zip-Up!

Are you ready to refinance now? Check your rates in less than 5 minutes without any effect on your credit score 2 or easily apply online today.

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

APHA issues call for team approach to 'skyrocketing' diabetes cases

Recently published online, first-of-its-kind American Public Health Association public policy statement reflects the role that eye doctors, dentists, pharmacists and podiatrists can have in diabetes prevention and management.

Devastating tornado outbreak, severe weather prompt renewed OFDR support

Generous donations from EssilorLuxottica and CooperVision for Hurricane Ida relief were recommitted to Optometry’s Fund for Disaster Relief in 2022 in response to year-end severe weather.

5 things AOA membership brought me

AOA members have access to clinical resources, continuing education, practice management and career development tools to help them not only prepare for change but drive it in the direction they want to go. Are you taking advantage of your benefits as an AOA member?