On a one-on-one consultation call, a consultant will go over your entire student loan portfolio to create a customized plan to optimize repayment strategies and potentially save you money. We can review your federal repayment plan options including potential forgiveness, and other refinancing options.

We have time slots available 9am to 9pm EST Monday through Friday, with weekend time slots available as well. Each consultation is scheduled for 30 minutes so we can discuss options for your student loans!

We would love to set up a consultation with your parents, spouse, or other family members. In fact, many parents take out student loans for their children called Parent Plus Loans. These loans usually have higher interest rates. If your spouse has federal loans, it’s imperative that we meet with them too because your student loan accounts may impact one another, which many spouses don’t realize.

Our lenders offer various terms as well as fixed and variable interest rates, though eligibility for the terms may vary. GradFin will review your options with you to help you choose the right option for your personal cashflow and monthly budget.

GradFin’s marketplace of lenders provides you with the opportunity to review rate estimates with multiple lenders to help you choose the offer that fits your needs.

When you schedule a consultation, we’ll send you an email with an onboarding link where you can securely share your loan information with GradFin. This is important so that we can spend your full 30-minute consultation reviewing all of your student loan options!

This varies by lender and state requirements, but most are $5,000.

There’s no maximum limit as GradFin works with multiple lenders, some of whom don’t have a limit on the refinance amount, but eligibility requirements vary by lender.

Lenders determine interest rates on a range of criteria that may include, but are not limited to, credit scores, debt to income ratio, the type of loan you choose, and market conditions.

Yes! The lenders in GradFin’s marketplace let you refinance only the loans you choose, depending on eligibility.

Schedule a consultation to see if there are better options available to you! A lower interest rate could mean savings, even on a lower loan balance.

The GradFin representative will send each customer an application to refinance their loan after discussing their needs.  Each of our 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.

Your GradFin consultant will send you a follow up email with next steps depending on how you decide you’d like to move forward after your 30 minute consultation.

The Public Service Loan Forgiveness Program ² 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. The Department of Education administers the PSLF laws and provides guidance on several issues related to the PSLF Program.

The Income Driven Repayment Forgiveness Program offers potential forgiveness after 240 or 300 payments made while enrolled in an income driven repayment plan. This program is only available through the Department of Education on federally held loans. Income Driven Repayment Forgiveness may be a taxable event.