KeyBank + White Coat Investor Student Loan Refinancing

KeyBank is one of the nation’s largest full-service banks, offering banking, lending, and student loan solutions for healthcare professionals at every stage of their career. +

WCI members are eligible for a $550 discount on student loan refinancing through KeyBank. This benefit is designed to help healthcare professionals simplify repayment and potentially reduce the overall cost of their student loans.+

Medical Resident & Fellow Student Loan Refinancing

Created for medical residents and fellows, this KeyBank refinancing option offers low monthly payments during training with no compounding interest during residency or fellowship. Eligible residents may pay as little as $100 per month while in training.+

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All products offered by KeyBank N.A. ©2026 KeyCorp®. All Rights Reserved.

Earn the Fire Your Financial Advisor Course ($799 Value) exclusively for being referred by White Coat Investor when you refinance your student loans with KeyBank using the link above. You must apply through the WCI link to access these benefits.

FYFA course must be claimed within 90 days of loan disbursement. To claim free course enrollment, visit https://www.whitecoatinvestor.com/RefiBonus. An account will be created for you at wcicourses.com and you will receive an email with access instructions upon verification from the lender. Course access instructions are sent out once a month, generally the first week of the month.

 

Why Choose KeyBank to Refinance Your Student Loans?

If you apply via the links on this page and close a loan, you’ll get paid $550+. They also have a resident refinancing program with $100 per month payments+ during residency. KeyBank has a flexible total allowable residency/fellowship period of up to 8 years depending on your specialty. Keep in mind, the maximum total loan length (residency and full repayment) cannot exceed 25 years. There is no maximum borrowing amount. The minimum loan amount is $5000.

  • Low fixed and variable rates available when refinancing student loans
  • No application or origination fees or prepayment penalties
  • Up to 12 months of forbearance is available+
  • Additional 0.25% rate discount when automatic monthly payments are made from a bank account+

Rates as of 8/5/26. Rates subject to change. Terms and conditions apply. All products subject to credit approval.

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What KeyBank Customers Say about Refinancing their Student Loans

“Have refinanced my student loans twice now with KeyBank and have had a great experience both times. They were accommodating, easy to communicate with, and genuinely helpful. Thank you all for everything you've done for me these past few years!”

“Great company to refinance with. Quick and easy process. Low rates. I would highly recommend.”

“The process is thorough but they make it efficient. They respond quickly via email and are helpful on the phone and with email.”

 

Refinance with KeyBank Today

 

KeyBank Student Loan Refinancing Terms and Conditions

All credit products are subject to credit approval.
A $550 cash bonus offered on new student loan refinance applications from active White Coat Investor (WCI) readers. The loan application must close in order to qualify for the bonus which will be paid within 45 days of closing. Existing customers are not eligible. This offer cannot be combined with other member or employee discounts nor the Student Loan Refer-a-Friend Program. The value of the bonus may be reported to the IRS on Form 1099-INT.
Click here for APR and Payment Examples and more information about the $100 monthly payments. The $100 payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to the loan principal and monthly payments of principal and interest will begin when the Residency Period ends.
After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for forbearance of payments for one or more 3-month time periods (however, a minimum of twelve (12) months are required between any two forbearance periods). Borrowers with a loan term of at least ten (10) years are eligible for up to twelve (12) months of forbearance over the life of the loan; borrowers with a loan term less than ten (10) years are eligible for one (1) month for every year of the loan term (e.g., if a borrower’s loan term is five (5) years they are eligible for up to five (5) months of forbearance over the life of the loan). Borrowers seeking an economic hardship forbearance due to unemployment must have made twelve (12) consecutive monthly payments prior to a forbearance request to be eligible. For any other forbearance due to economic hardship, borrowers must have made nine (9) consecutive monthly payments prior to a forbearance request to be eligible. All requests for forbearance are subject to review, including the review of acceptable documentation (including updating documentation) of the nature and expected duration of the borrower's economic hardship. During any period of forbearance, interest will continue to accrue. Unless otherwise noted, at the end of the forbearance period, any unpaid accrued interest will be capitalized and be added to the remaining principal amount of the loan.
AutoPay/EFT Discount: if the borrower chooses to make monthly payments automatically by electronic fund transfer (EFT) from a bank account, the interest rate will decrease by 0.25% and will increase back 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.