Student Loans
AOA Members must apply through www.laurelroad.com/aoa-excel to access these benefits.
Confused about your next step?
Receive student loan guidance from Laurel Road.
Find Student Loan Freedom—at no cost to you! Book your free session with a student loan specialist — no strings attached. The Laurel Road team can help you make confident, informed decisions whenever you have questions. They'll also keep you informed and up-to-date with the latest in student loan strategies and forgiveness programs through newsletters and expert-led webinars.
EXPLORE YOUR REPAYMENT OPTIONS
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.+
AOAExcel Resource Updates - Student Loan Refinancing
Visit the AOAExcel Resource Updates page for additional Student Loan Refinancing resources and columns.
IMPORTANT INFORMATION: Please note that if you refinance qualifying federal student loans, you will no longer be eligible for certain federal benefits or programs and waive your right to future benefits or programs offered on those loans, which may include, but are not limited to, Public Service Loan Forgiveness, Income-Driven Repayment plans, forbearance, or certain forgiveness options granted to Parent Plus borrowers. Please carefully consider your options when refinancing federal student loans and consult http://www.studentaid.gov for the most current information.
Laurel Road is a brand of KeyBank National Association. All products offered by KeyBank N.A. Member FDIC. Equal Housing Lender. ©2025
STUDENT 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
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