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Student Loan Refinancing

Key’s student loan refinance employee benefit through Laurel Road® helps support our employees’ financial wellness goals by offering a rate discount.

Laurel Road is a digital banking platform and brand of KeyBank that offers simplified lending solutions, created with seamless, personalized experiences. Since 2013, Laurel Road has helped thousands of professionals with undergraduate and postgraduate degrees consolidate and refinance more than $9 billion in federal and private school loans.

Reinforcing Key's commitment to helping employees achieve financial wellness

  • Quick and personalized online digital application process
  • Discover competitive rate options in 5 minutes or less, with no impact to credit score1
  • Employee2 and Autopay discounts3
  • Parent PLUS loan eligible
  • No origination fees or prepayment penalties
  • Several online educational resources to help get the most out of managing your student loans

All credit products are subject to credit approval.


Checking your rate with Laurel Road only requires a soft credit pull, which will not affect your credit score. To proceed with an application, a hard credit pull will be required, which may affect your credit score.


The KeyBank employee rate discount is offered for applications from KeyBank employees at the time of loan closing. The employee discount will be applied to the monthly payment. This offer cannot be combined with other member or employee discounts.


AutoPay/EFT Discount: if the borrower chooses to make monthly payments automatically by electronic fund transfer (EFT) from a bank account, the interest rate discount will be applied, but will be removed if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the borrower’s bank account. The AutoPay/EFT Discount will not reduce the monthly payment; instead, the discount is applied to the principal to help pay the loan down faster.

Laurel Road is a brand of KeyBank National Association (“KeyBank N.A.”). All loans are provided by KeyBank N.A.

The information provided above is intended to be a summary of Key’s benefit programs. Detailed eligibility criteria and other information is available on HR Online. is a federally registered service mark of KeyCorp.

Key is an Equal Opportunity and Affirmative Action Employer.