Student Loan Refinancing You could save thousands on your ...

Student Loan Refinancing

You could save thousands on your student loan debt!1

Key@Work clients receive a 0.125% rate discount when refinancing.2

What is Student Loan Refinancing and Who is Eligible?

Key@Work clients can choose to refinance all or some of their federal and private loans from bachelor and/or graduate degree programs. Laurel Road refinances student loans by paying off a customer's current student loans and issuing them a new loan.

Laurel Road refinances student loans from accredited schools. Borrowers must be U.S. citizens or permanent residents. Loan eligibility depends on lending criteria such as your credit profile, monthly income, and monthly debt payments.

Why refinance?

Student loan refinancing is an opportunity to do one or more of the following:

? Save money ? Lower interest rate(s) ? Pay off loans faster ? Lower monthly payments ? Move from a fixed rate to a variable rate

(or vice versa) ? Reduce number of loans in repayment

Client Benefit

Key@Work clients will receive a 0.125% rate discount when refinancing with Laurel Road.2

To learn more and apply, visit

KeyAtWork

Low fixed and variable rates available

when refinancing student loans

You could save thousands on your student loans when

refinancing1

We don't charge any application or origination fees or prepayment penalties

Receive additional 0.25% discount when

automatic monthly payments are made3

About Laurel Road

Laurel Road began originating student loans in 2013 and has since helped thousands of professionals with undergraduate and postgraduate degrees consolidate and refinance more than $4 billion in federal and private school loans. In April 2019, Laurel Road was acquired by KeyBank, one of the nation's largest bankbased financial services companies and Member FDIC.

Contact Us

KeyAtWork studentloans@ 855-245-0989

How It Works

1. Get Your Rate Fill out our short application.

2. Upload Your Docs Upload your information to finalize your rate offer.

3. Choose Your Loan Select your rate and e-sign your loan.

All credit products are subject to approval. 1. Savings vary based on rate and term of your existing and refinanced loan(s). Refinancing to a longer term may lower your monthly payments, but may also increase the total interest paid over

the life of the loan. Refinancing to a shorter term may increase your monthly payments, but may lower the total interest paid over the life of the loan. Review your loan documentation for total cost of your refinanced loan. 2. The 0.125% Key@Work rate discount is offered for new applications from Key@Work in good standing. The rate discount will end if Laurel Road is notified that the borrower is no longer in good standing. Offer cannot be combined with other offers, including the Referral Program. 3. To qualify for the Automatic Payment discount of 0.25%, monthly payments must be paid automatically from a bank account. Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. All loans are provided by KeyBank National Association, a nationally chartered bank. ?2019 KeyCorp? All Rights Reserved. Laurel Road is a federally registered service mark of KeyCorp. KEYATWORKFLYR19

To learn more and apply, visit KeyAtWork

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