Laurel Road

STUDENT LOAN REFINANCE APPLICATION

Let's get started with your application.

All fields are required unless noted

First Name

Middle Name

Last Name

Date of birth

Primary Phone Number

Is the number you provided a mobile phone number?

YesNo

By providing a telephone number for a cellular telephone, other wireless device, or a landline number that was later converted to a wireless device, you are expressly consenting to receiving communications at that number, including, but not limited to, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from KeyBank National Association and its affiliates and agents. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls regardless of their purpose. These calls and messages may incur access fees from your cellular provider.

Permanent Resident Address

Enter your residential street address only. We will know your city and state based on the ZIP code you enter.

Zip Code

Is Mailing Address same as Permanent Address?

YesNo

Have you lived at this address for the past 2 years?

YesNo

What is your U.S. citizenship status?

U.S. Citizen

Permanent Resident

Non-Resident

Social Security Number

Confirm Social Security Number

Please read and agree to our Disclosures and Policies:

Agree

All fields are required unless noted

Are you a parent refinancing a loan you took out for your child?

If you are trying to refinance your parent's loan into your name, please select "No."

What is the total loan balance you want to refinance?

Employment Status

What is your gross annual base income?

How much is your mortgage payment or the total monthly rent on your lease?

What is the highest degree you have earned?

Which best describes your degree?

What school did you last attend?

Graduation Date

All fields are required unless noted

How did you hear about us?

Laurel Road is a brand of KeyBank National Association. To continue, please agree to a soft credit pull by KeyBank.

Don't worry! Checking your preliminary rates through a soft credit pull won't impact your credit!

But you should know that by clicking this toggle and continuing with the application process, you are providing Express Written Consent for KeyBank National Association and its affiliates, agents, guaranty insurers, investors, assigns, and successors in interest ("KeyBank") to obtain consumer credit reports and other consumer information about you (including employment history) from one or more consumer reporting agencies and/or verification services.

At this time, your information will be used in an attempt to provide you with preliminary interest rates, which are estimates based off the information provided so far and subject to change pending full underwriting review of your application.

At a later point in the process, if you wish to complete the application, you will need to separately consent to a hard credit pull to be eligible for your final rates and loan offer. For more information about soft and hard credit pulls, please refer to this guide.

Agree

It is the policy of the Bank to adhere to all fair lending laws and regulations including, without limitation, the Equal Credit Opportunity Act, the Fair Housing Act, the Home Mortgage Disclosure Act, the Community Reinvestment Act, and the Americans with Disabilities Act. The Bank will not discriminate against any person on the basis of race, color, sex, religion, national origin, marital status, handicap or disability, familial status, age (provided the applicant has the capacity to contract), receipt of public assistance income or because an applicant has exercised rights in good faith under the Consumer Credit Protection Act.

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. By clicking continue, you authorize to collect and validate the above and related information within this application through public and third party sources to confirm your identity and process this application.

Already have a User ID? Sign in to continue.

RATES STARTING AT

4.77%

Variable APR

(5-Year) with Discounts¹

4.47%

Fixed APR

(5-Year) with Discounts¹

To see more rate options, click here.

Loan Term (Years)	Variable APR With Autopay Discount	Fixed APR With Autopay Discount
5	4.77%—8.28%	4.47%—7.98%
7	5.17%—8.37%	4.87%—8.07%
10	5.36%—8.46%	5.06%—8.16%
15	5.51%—8.56%	5.21%—8.26%
20	5.71%—8.66%	5.41%—8.36%

Looking to add a cosigner?

You'll be able to add a cosigner at a later point in the application process.

Laurel Road is a brand of KeyBank National Association. All products are offered by KeyBank N.A. Member FDIC. Student loans, mortgages, personal loans, and credit cards ARE NOT FDIC INSURED OR GUARANTEED. NMLS #399797. Equal Housing Lender. © 2025 KeyCorp^® All Rights Reserved. Laurel Road is a federally registered service mark of KeyCorp. 3 Corporate Drive, 4th Floor, Shelton, CT 06484, USA.

To view Laurel Road's Online Privacy Statement, click here.

Annual Percentage Rates (APRs) shown are as of April 1, 2025 and subject to increase without notice. Based on applications between 7/1/2021 to 9/30/2022, approximately 10% of applicants qualified for our lowest advertised rate. Lowest rate quoted above assumes excellent credit and low debt, housing, and alimony expenses relative to income. Otherwise, a higher rate will apply. Rate shown above includes a 0.55% discount for having a qualifying direct deposit of at least $7,500.00 credited to a Laurel Road Checking^SM account for every statement period of the term of the loan, a 0.25% discount for AutoPay, and a loan with a term of 60 months. Variable APRs are subject to increase after consummation.
Deposit accounts are only available for U.S. Citizens and U.S. Permanent Residents, at least 18 years of age.
The Laurel Road Checking discount is available to borrowers who open a Laurel Road Checking account simultaneously while refinancing their student loans with Laurel Road. You may also be able to utilize a checking account opened simultaneously with a prior Laurel Road student loan refinance to obtain a discount on your new Laurel Road student loan refinance. Borrowers will receive a 0.25% interest rate discount for their first three monthly billing cycles. Starting with the 4th billing cycle and continuing with each billing cycle thereafter, the interest rate discount applied each billing cycle will be based on the amount deposited via qualifying Automated Clearing House (ACH) transactions into the Laurel Road Checking account during the preceding calendar month--0.25% for deposits between $2,500.00 and $7,499.99 per month and 0.55% for deposits $7,500.00 or greater per month. To continue to receive the discount for the 4th billing cycle, you must begin making qualifying ACH deposits to your Laurel Road Checking account during the second month after your loan funds. Note that the discount is only available to the primary checking account owner and is not available to a joint checking account owner. If the primary account owner is no longer an owner on the checking account or the account is closed, the discount on their student loan will cease. Discounts subject to change without notice and cannot be combined with the Linked Savings discount. Click here for more information on the Laurel Road Checking account and student loan rate discounts.
If you choose to make monthly payments automatically by electronic fund transfer (EFT) from a bank account, the rate will decrease by 0.25% and will increase back if you stop making monthly payments (or we stop accepting) automatically by EFT from your 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.

STUDENT LOAN REFINANCE APPLICATION

Let's get started with your application.

Have we met before?

Frequently Asked Questions