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?

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.

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

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!

What If My Parents Or Spouse Has 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.

What Refinancing Terms are Available?

Our lenders offer various terms from 5 to 20 years as well as fixed and variable interest rates, though eligibility for these terms may vary. GradFin will review your options with you to help you choose the right option for your personal cashflow and monthly budget.

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

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.

How Should I Prepare For My Consultation?

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!

What is The Minimum Loan Amount That Can Be Refinanced?

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

What Is The Maximum Loan Amount That Can Be Refinanced?

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.

How is My New Interest Rate Determined?

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.

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

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

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

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.

Where Is The Refinance And Consolidation Application?

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.

What Happens After A Consultation?

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.

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 on track with PSLF program requirements. The Department of Education administers the PSLF laws and provides guidance on several issues related to the PSLF Program.

What Is Income Driven Repayment Forgiveness?

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.

GradFin provides a membership program designed to help student loan borrowers prepare for Income Driven Repayment Forgiveness by discussing the available IDR plans and tracking qualified payments.

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 StudentAid.gov for the most current information.

  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.