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 more than $118,000 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 $125 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?

When Can I Set Up A Conversation With A GradFin Representative?

What If My Parents Or Spouse Has Student Loans?

What Refinancing Terms are Available?

What Are The Benefits of GradFin's Marketplace of Lenders?

How Should I Prepare For My Consultation?

What is The Minimum Loan Amount That Can Be Refinanced?

What Is The Maximum Loan Amount That Can Be Refinanced?

How is My New Interest Rate Determined?

I Have A Mixture of High and Low Interest Rate Loans. Can I Refinance Only The High Interest Rate Loans?

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

Where Is The Refinance And Consolidation Application?

What Happens After A Consultation?

What Is The Public Loan Forgiveness Program?

What Is Income Driven Repayment Forgiveness?

IMPORTANT INFORMATION: Please note that if you refinance qualifying federal student loans with Laurel Road, you may no longer be eligible for certain federal benefits or programs and waive your right to future benefits or programs offered on those loans. Examples of benefits or programs you may not receive include, but are not limited to, Public Service Loan Forgiveness, Income-Driven Repayment plans, forbearance, or loan forgiveness. Please carefully consider your options when refinancing federal student loans and consult www.studentaid.gov for the most current information.

  1. GradFin and Laurel Road are brands of KeyBank N.A.
  2. Members who met the requirement for federal student loan forgiveness through an income-driven repayment (IDR) plan or Public Service Loan Forgiveness (PSLF) qualified for an average of $118,207.69 in student loan forgiveness as of 10/08/2024.
  3. This is the total dollar value of federal student loans forgiven for members via an income-driven repayment (IDR) plan or Public Service Loan Forgiveness (PSLF) as of 5/28/2024. This dollar value is based on the member-reported forgiveness amount and can be substantiated by official documentation from the Department of Education.
  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.