Laurel Road member benefits

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AMA members must apply through to access these benefits.

AMA members can manage their finances and prepare for their futures in various ways with Laurel Road, an FDIC-insured digital banking platform. Laurel Road also offers a range of customized lending solutions to help physicians run and maintain their practice. Keep reading to learn more about loan offerings for students, residents, physicians, and practices.

Not a member? Join the AMA now.

Become an AMA member or renew your AMA membership to get access to special rates on loan offerings from Laurel Road.

The AMA and Laurel Road have teamed up to help members save on their student loan debt. Laurel Road provides competitive student loan refinancing rates, and AMA members get access to these exclusive benefits:

  • Receive a 0.25% rate discount when you refinance with Laurel Road*
  • Residents only pay $100/month all through training*
  • Lower your refi rate when you add a new checking account. Open a Laurel Road Linked Checking℠ account during student loan refinancing and get an introductory 0.25% off your interest rate for the first three months. After that, your interest rate discount varies based on your total monthly direct deposit amount. *

Note: the discount is applied to the principal to help pay the loan down faster. These discounts and bonuses are only offered for applications from AMA members in good standing, and the rates will end if the members are no longer active. Other terms and conditions apply. For more information, visit the Laurel Road website and find all partnership disclaimers.

Wondering if you qualify for PSLF? Laurel Road student loan experts at GradFin have helped borrowers qualify for an average of $90k in student loan forgiveness† and can help you understand how to manage your student loan options, including PSLF.

AMA members also get a $50 discount when they open an annual membership with GradFin for PSLF services.* Set up a free 30-minute session with a GradFin specialist today.

Consider PSLF if you:

  • Work for a government or qualifying not-for-profit organization**
  • Are employed full-time
  • Have federal loans

†Members that met the requirement for PSLF qualified for an average of $90k in student loan forgiveness as of 8/30/22.

*AMA members get a $50.00 discount on an annual Public Service Loan Forgiveness (“PSLF”) program membership with GradFin (“Offer”). The discount will be applied on the current annual membership fee of $249.00 and will automatically apply at checkout. This Offer is only available to current AMA members, is non-transferable and cannot be applied to previous membership purchase(s). This Offer cannot be redeemed for cash or combined with other offers and is subject to cancellation at any time and without notice.

**To see if your employer qualifies, visit

AMA members can also ease the financial burdens of interviewing for residency positions with Laurel Road. A Laurel Road resident interview loan covers common costs associated with searching for medical residency programs. For example, you may incur travel costs for flights or hotel stays.

  • AMA student members receive an additional 0.25% rate discount when taking out a residency interview loan with Laurel Road.*
  • Reduced payments during training—pay only $25/month for the remainder of medical school and up to four years of residency.*
  • Additional 0.25% discount when automatic monthly payments from a bank account is selected at the time of closing.*

Additionally, physicians and residents can apply for personal loans online and check their rates in minutes without impacting their credit scores.* Physicians can borrow up to $80,000* with a personal loan if they’re in practice.

  • AMA members receive an additional 0.25% rate discount when taking a personal loan with Laurel Road.*
  • Special repayment options during training.
  • Additional 0.25% discount when automatic monthly payments from a bank account is selected at the time of closing.*

Laurel Road offers practicing physicians or residents who are AMA members special mortgage options with 100% financing and no PMI required,* whether they’re looking to purchase a home or refinance their current mortgage.

As an AMA member, you will receive a 0.25% mortgage rate discount off already low rates with Laurel Road.* You could also save up to $650 on your closing costs.* Enjoy an easy online application experience with a dedicated mortgage team and human support when needed.

Laurel Road also offers a range of customized lending solutions to help you run and maintain your business, including term loans and lines of credit. These solutions are designed to help you buy equipment, consolidate debt, or buy into a practice.

As an AMA member, you will receive a 0.25% rate discount if you are approved for a practice loan with Laurel Road.*

If you are a physician or medical student interested in unlocking these special benefits, join AMA today.

Notice for Federal Loan Holders: The Department of Education recently announced forgiveness of $10,000 for qualifying Federal student loan borrowers and $20,000 for qualifying Pell Grant recipients. Read more here ( If you refinance a federal student loan with Laurel Road, you will no longer qualify for forgiveness or federal student loan repayment options, including but not limited to Income Based Repayment (IBR), Public Service Loan Forgiveness (PSLF), 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, suspension of payments, and forgiveness). Additionally, federal student loans offer deferment, forbearance, and loan forgiveness options that are not available with Laurel Road. Please carefully consider these loss of federal benefits and consult for the most current information.

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