Student Loan Refinancing
You could save on your student loans by refinancing with AOAExcel® ’s endorsed business partner, Laurel Road.
AOA Members must apply through www.laurelroad.com/aoa-excel to access these benefits.
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.
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.
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 https://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. NMLS #399797 ©2023
MORTGAGES, 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.
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