Laurel Road


Student Loan Best Practices

Laurel Road and EMRA teamed up to share a Student Loan Best Practices webinar.  Laurel Road provided guidance on student loan refinancing and cover all student loan repayment options.

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Student Loan Refinancing

Did you know that you can refinance a student loan just like a mortgage? Laurel Road; a brand of KeyBank National Association, specializes in providing low rate loan refinancing, to young physicians. While practicing physicians have always been able to refinance, for the first time ever, medical students, residents and fellows can now qualify for these low rates. The best part is, house officers only have to pay $100/month1 all through training (residency and fellowship)!

  • Some of the lowest rates in the country
  • Both Federal and Private Loans are eligible
  • No maximum loan balance; $5,000 minimum
  • Loans are fully dischargeable at death
  • Up to 12 months of Economic Hardship Forbearance available
  • $100 monthly payments all through residency, fellowship, plus your first 6 months in practice
  • Begin on standard repayment term (ranging from 5 to 20 years) once you're an attending
  • Free to apply, with no origination fees or prepayment penalties

Important! Members (medical student, resident, fellow and alumni) must apply to the link below to receive the .25% rate discount.

Start Here to See How Much You Can Save

Personal Loans

Laurel Road has created a low interest rate, personal loan product that is just for physicians. You can use the loan for credit card consolidation, a vacation, home improvement, and more. As an EMRA medical student, resident, fellow or alumni member, you will receive a .50% rate reduction off your personal loan rate.

Laurel Road; a brand of KeyBank National Association, specializes in providing low rate loans to young physicians. The Laurel Road Personal Loan can be used for any purpose and is designed specifically with residents in mind. If you are sill in training, you only have to pay $25.00 per month2 toward the loan.  Email or call 855-245-0989 when ready to apply or if you have questions.

Other benefits include:

  • No origination or application fees
  • No prepayment fees
  • Request up to $80,000 if you are in practice or have a contract to practice
  • Repayment terms up to 7 years
  • Other borrowing limits are:
    • Match Letter or PG1 - $30,000
    • PG2 - $35,000
    • PG3 - $40,000
    • PG4 - $45,000
More Details on Personal Loans
Email When Ready to Apply or Have Questions?

1Laurel Road Bank may agree under certain circumstances to allow a borrower to make $100/month payments immediately after loan disbursement if the borrower is employed full-time as an intern, resident, fellow, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends For APR and payment examples,  go to

2If at the time of disbursement you are employed full time as an intern, resident, fellow or similar post graduate medical trainee, or in your final year of school, you are eligible to make a Reduced Payment of $25.00 per month. Reduced Payments last as long as you are in training but are not to exceed a total of 48 months after which any unpaid interest will be capitalized and a new repayment schedule calculated to reflect your full monthly payment. For APR and payment examples, go to