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IMPORTANT INFORMATION: Please note that if you refinance qualifying federal student loans with Laurel Road, you may no longer be eligible for certain federal benefits or programs and waive your right to future benefits or programs offered on those loans. Examples of benefits or programs you may not receive include, but are not limited to, Public Service Loan Forgiveness, Income-Driven Repayment plans, forbearance, or loan forgiveness. Please carefully consider your options when refinancing federal student loans and consult Federal Student Aid for the most current information.

Student Loan Rates

Term Fixed APR Variable APR
5 year 4.99%—8.5% 5.29%—8.8%
7 year 5.2%—8.6% 5.5%—8.9%
10 year 5.3%—8.7% 5.6%—9%
15 year 5.45%—8.8% 5.75%—9.1%
20 year 5.65%—8.9% 5.95%—9.2%

Rates in the above table include a 0.25% discount for making automatic payments from a bank account.1 Variable APRs are subject to increase after consummation. Lowest APR(s) reserved for the most credit worthy applicants.2 View Payment Examples below.

Frequently Asked Questions

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