If you are refinancing any federal student loans with us, you will no longer be able to take advantage of federal student loan repayment options, including but not limited to Income Based Repayment (IBR), Public Service Loan Forgiveness (PSLF), or 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 and suspension of payments). Additionally, federal student loans offer deferment, forbearance, and loan forgiveness options that are not available with Laurel Road. For more information about these federal student loan programs and others, please visit Federal Student Aid.