Student Loan Refinancing

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

Student loan refinancing

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.

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 

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%! +

LEARN MORE ABOUT LINKED CHECKING

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.

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

Notice for Federal Loan Holders: The Department Of Education recently announced forgiveness of $10,000 for qualifying Federal student loan borrowers and $20,000 for qualifying Pell Grant recipients. Read more here (https://studentaid.gov/debt-relief-announcement). If you refinance a federal student loan with Laurel Road, you will no longer qualify for forgiveness or federal student loan repayment options, including but not limited to Income Based Repayment (IBR), Public Service Loan Forgiveness (PSLF), Pay As You Earn (PAYE) or Revised Pay As You Earn (REPAYE), and relief offered by the federal government related to the COVID-19 pandemic (such as 0% interest rate, suspension of payments, and forgiveness). Additionally, federal student loans offer deferment, forbearance, and loan forgiveness options that are not available with Laurel Road. Please carefully consider these loss of federal benefits and consult 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. ©2022

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.

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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