Explore your student loan options with an expert guide.

Did you know there's more than one path to forgiveness? Get the facts and federal policy updates - and develop your personalized plan - on a free 30-minute consultation with one of our student loan specialists at GradFin.1

Find Peace of Mind With A GradFin Consultation

Members get $110,000 in forgiveness on average.2

Our Specialized GradFin team will review your loan history, go over your repayment and forgiveness options with you, and recommend a plan. With GradFin's expertise, we've helped borrowers achieve more than $100 million in federal student loan forgiveness to date. 3

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    Apply for IDR

    Understand your income-driven repayment (IDR) and forgiveness options.

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    Navigate PSLF

    See if you qualify and help you stay on track for public service loan forgiveness (PSLF).4

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    Explore Refinancing

    Compare simple refinancing options that could help you save on student loans.

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    Stay the Course

    If you're already in the right repayment program, Gradfin helps you stay on track.

Questions? We've got answers.

Frequently Asked Questions

What Can I Expect To Learn In The One-On-One Consultation

Our GradFin reps will discuss what information impacts the interest rate and how you can best be in the position to get the lowest rate from one of our 11 lenders. Every person has a different FICO score, income level, student loan balance, and current interest rate structure, and we walk you through the ways in which you can get the best new rates on your loans.

Our GradFin Rep will break down your loan situation, provide a chart on what your new loan payoff looks like, answer questions about what terms are the best for your particular situation, and answer any application questions that come up.

When Can I Set Up A Conversation With A Gradfin Rep?

We have over 400 time slots each week that you can choose from, including weekends.  We are very conscience of your time and want you to choose what time best works for you. With that said, we have allotted 30 minute time slots which is enough time for our GradFin rep to discuss with you the various refi options that are available.

What If My Parents Or Spouse Has Student Loans

We would love to set up a consultation with your parents, spouse, friends, family members, or anyone else. In fact, many parents take out student loans for their children called Parent Plus Loans. These loans usually have higher interest rates. Please reach out to your GradFin rep to set up a consultation.

What Refinancing Terms are Available?

Our lenders offer various terms from 5 to 20 years as well as fixed and variable.  Depending on your personal cash flow and monthly budget, you have some options to make your future payments work for you.

What Are The Benefits of Gradfin's 11 Lender Platform

GradFin’s 11 lender platform will give you the best opportunity to get the lowest rate possible. We are well positioned to find you the best rate because we understand the underwriting standards of our lenders.

Should I Track Down My Loan Information Before The Consultation With The Gradfin Rep?

Yes. We want to make the best use of your time, so we recommend that you send your current interest rate and account balance to the GradFin Rep before the one-on-one consultation. This will allow us to chart out some options for you before we speak to you on the phone or in person.

What is The Minimum Loan Amount That Can Be Refinanced?


What Is The Maximum Loan Amount That Can Be Refinanced?

Most of our lenders do not cap the amount to be refinanced.  However, if the balance is higher than $150,000 many lenders will look at the borrowers debt-to-income ratio to determine if they are a good fit for a new loan.

How is My New Interest Rate Determined?

Interest rates are determined in many ways:

1) rates set by lenders to compete for your business; 2) the federal funds rate and the LIBOR rate; 3) your FICO score; 4) your debt-to-income ratio and/or current household income; and 5) the term of the loan that you choose (i.e. fixed, variable, 5, 7, 10, 15, 20.)

I've Reconsolidated My Payments But Still Have High Interest Loans. Am I Able To Refinance The High Interest Loans?

In most cases, you can selectively refinance individual loans. If you have an opportunity to lower your rate & match your term, it is worth exploring the savings.

I'm Almost Done Paying Off My Loans. Why Should I Refinance Now?

Our partners offer short term loans as short as 5-years. It makes sense to refinance into the shortest term to get the lowest rate available.  Saving you money is our goal.

Where Is The Refi And Consolidation Application?

The GradFin rep will send each employee an application to refinance their loan after discussing their needs.  Each of our 11 lenders has different underwriting criteria and we want to match borrowers with the lender that will be able to give them the best refinancing options.

What Is The Public Loan Forgiveness Program?

The Public Service Loan Forgiveness Program provides forgiveness on federal Direct student loans for borrowers that make 120 separate qualifying payments while employed full time by an eligible public service organization. An eligible public service organization is defined as a non-profit (501c3 tax-exempt organization) or a government entity (federal, state, local, or municipal organization).

The PSLF Program was passed into law in 2007 and encourages federal student loan borrowers to work in the public service sector. GradFin provides a membership program designed to help student loan borrowers stay in compliance with the complex filing rules and regulations. The Department of Education administers the PSLF laws and provides guidance on several issues related to the PSLF Program.

  1. GradFin and Laurel Road are brands of KeyBank N.A.
  2. GradFin members that met the requirement for PSLF qualified for an average of $110,000 in student loan forgiveness as of 4/21/23.
  3. This is the total dollar value of loans forgiven for GradFin customers as of 3/25/2024. This dollar value is based on the customer reported forgiveness amount and can be substantiated by the Department of Education’s Forgiveness letters.
  4. To qualify for PSLF, you must be employed by a U.S. federal, state, local, or tribal government or not-for-profit organization (federal service includes U.S. military service); work full-time for that agency or organization; have Direct Loans (or consolidate other federal student loans into a Direct Loan); repay your loans under an income-driven repayment plan; and make 120 qualifying payments. For full program requirements, visit: https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service.