AOA Members must apply through to access these benefits. 

Confused about your next step?
Receive student loan guidance from GradFin.

There’s more than one path to paying off student loans – get the facts and develop your personalized plan in a free 30-minute consultation with a student loan specialist from Gradfin.1 AOA Members also get a $50 discount when they sign up for an annual Gradfin membership.2


Refinance your student loans in 3 easy steps 

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.


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.+


Laurel Road Linked Checking SM

Looking for additional ways to lower your student loan interest rate? When you refinance your student loans with Laurel Road and open a Laurel Road Linked Checking  SM account you may qualify for additional rate reductions!

The more you save, the more you could save on your student loans.

Upon opening a Laurel Road Linked Checking  SM account, as an AOA member, you will automatically qualify for an introductory 0.25% off your interest rate for the first 3 months (in addition to your AOA discount) +. After three months with a funded account, your interest rate discount will vary based on your savings account balance - you could lower your student loan refinancing rate by up to 0.55%! +


All credit products are subject to credit approval. Terms and conditions apply. Click here to learn more.

AOAExcel Resource Updates - Student Loan Refinancing

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

Laurel Road logo

IMPORTANT INFORMATION: Please note that if you refinance qualifying federal student loans with Laurel Road, you may no longer be eligible for certain federal benefits or programs and waive your right to future benefits or programs offered on those loans. Examples of benefits or programs you may not receive include, but are not limited to, Public Service Loan Forgiveness, Income-driven Repayment plans, forbearance, or loan forgiveness. Please carefully consider your options when refinancing federal student loans and consult for the most current information.

Laurel Road is a brand of KeyBank National Association. All products offered by KeyBank N.A. Member FDIC. ©2024 STUDENT LOANS, PSLF, AND PERSONAL LOANS ARE NOT FDIC INSURED OR GUARANTEED. KeyCorp® All Rights Reserved. Laurel Road is a federally registered service mark of KeyCorp. 3 Corporate Drive, 4th fl, Shelton, CT 06484.

1) Gradfin and Laurel Road are brands of KeyBank N.A.
2) AOA members get a $50.00 discount on an annual Public Service Loan Forgiveness (“PSLF”) program membership with GradFin (“Offer”). The discount will be applied on the current annual membership fee of $249.00 and will automatically apply at checkout. This Offer is only available to current AOA members, is non-transferable and cannot be applied to previous membership purchase(s). This Offer cannot be redeemed for cash or combined with other offers and is subject to cancellation at any time and without notice.

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.
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