Specialist in healthcare-professional refinancing — doctors, dentists, residents.
Get started at KeyBank N.A. → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4.1 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Medical doctors (MD/DO), dentists, nurse practitioners, and other healthcare professionals.
Laurel Road Student Loan Refinance — Specialist in healthcare-professional refinancing — doctors, dentists, residents. Best for: Medical doctors (MD/DO), dentists, nurse practitioners, and other healthcare professionals.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Yes. Laurel Road offers a healthcare professional refinancing program that allows MD, DO, dentist, and pharmacy residents and fellows to make reduced $100/month payments during their training period (residency + fellowship), then transition to full payments once training ends. This addresses a real friction point for medical professionals: a physician in a 5-year residency has limited income but a large loan balance, and most standard refinancers require full income-based payments. Verify the current program details, eligible professional designations, and maximum training period covered at laurelroad.com before applying.
Laurel Road is a brand of KeyBank National Association, a federally chartered national bank. Loans originated through Laurel Road are issued by KeyBank — not a marketplace or broker. KeyBank is FDIC-insured and one of the largest banks in the US by assets. The Laurel Road brand focuses specifically on student loan refinancing and other financial products for healthcare and professional borrowers, while the broader KeyBank institution provides the balance sheet and banking infrastructure.
No — Laurel Road does not charge an origination fee or a prepayment penalty. You can pay off the loan early at any time without incurring additional costs. No origination fee means the stated APR reflects your true cost of borrowing (origination fees effectively raise your rate when amortized over the loan). Verify the current fee structure at laurelroad.com before applying, as terms can change.
Laurel Road typically requires approximately 680+ FICO for approval, plus a strong debt-to-income ratio and stable income (or a signed employment offer for physicians completing training). For healthcare professionals, Laurel Road evaluates earning potential as a key underwriting factor — a new attending physician with a signed offer may qualify despite limited current income. Non-healthcare applicants should also be 680+ FICO with verifiable income. Pre-qualify with a soft pull at laurelroad.com to see your actual rate offer.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
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