KeyBank Student Loan Refinance (formerly Laurel Road) is a student loan from KeyBank. Application typically pulls a credit report from Equifax. The ongoing APR is fixed 4.74%-9.75%; variable 5.04%-10.05% (includes 0.25% AutoPay discount). Typical credit limit: up to 100% of outstanding private and federal student loans, minimum $5,000 (bachelor's and higher). Loan terms: 5, 7, 10, 15, 20 years. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.