Last Updated: July 15, 2025

PLEASE READ THESE TERMS CAREFULLY. BY PARTICIPATING IN THESE SERVICES, YOU AGREE TO BE BOUND BY ALL THE TERMS AND CONDITIONS HEREIN AND/OR ANY CHANGES THERETO. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS AND POSTED ON THE COMPANY WEBSITE FROM TIME TO TIME. IF YOU DO NOT AGREE WITH THESE TERMS, PLEASE DO NOT USE THESE SERVICES.

KeyBank National Association and/or its affiliates or subsidiaries (collectively “Company”, “We”, “Us” or “Our”) is pleased to provide you (“Client” and/or “You/Your”) certain products and services which may be branded Laurel Road, GradFin, or another brand owned by Company. These terms and conditions supplement and incorporate by reference any additional Company user agreements to which You have already agreed by accessing any Company websites.

    *Important Disclosures *

• • Company provides estimates of Your student loan options based upon assumptions and information provided by You. Company does not provide professional financial, legal, accounting or tax advice. Company does not negotiate, settle or alter the payment terms of Your student loans.
  • Company is a private entity, not affiliated with or endorsed by the U.S. Department of Education (U.S. DOE). Company is not acting as Your student loan servicer or an affiliate of Your student loan servicer while providing the Services (defined below). The U.S. DOE decides eligibility, enrollment, and forgiveness for federal student loans. Company does not guarantee results or time frames regarding federal student loan options, as these are determined by the U.S. DOE.
  • Company provides an optional and free service to clients who desire assistance and consulting regarding their student loan repayment options.
  • Company does not service Your student loans or make student loan payments on Your behalf while providing the Services (defined below), nor will it ask for your Federal Student Aid Personal Identification Number. For more information or to apply for federal student loan programs on your own, please visit

Company and Client do hereby understand, consent and agree to all of the following:

1. 1. Binding Contract.  These terms and conditions (“Agreement”) act as a binding contract between the Company and You.
   2. Services . The Company will provide consulting services to assist You in navigating a host of, but not all, federal and private student loan repayment options (the “Services”). These Services may include the Public Service Loan Forgiveness Program or the Income Driven Repayment Program (collectively the “Programs”), as well as refinancing options. You acknowledge and understand the Services may not include all federal or private student loan repayment options available to You and will be based upon a review of information, data, documents, and/or materials that You provide or otherwise make available to Us in connection with the Services (collectively the “User-Provided Data”). User Provided Data may include, without limitation, personally identifiable information (as that term is defined by applicable law), Your student loan file and/or Your financial information from a consumer reporting agency.  You also consent and agree that Services may include discussion of other KeyBank products or services.
   3. Use of Services. You understand, acknowledge and agree that the Services may include educational information, advice and options, but that all decisions and actions taken, whether in connection with the implementation of such educational information, advice and options or not, shall be Your sole responsibility. COMPANY DOES NOT GUARANTEE THAT YOU WILL RECEIVE ANY STUDENT LOAN FORGIVENESS UNDER ANY OF THE PROGRAMS OR QUALIFY FOR ANY PARTICULAR RATE OR PRODUCT AS A RESULT OF THE SERVICES. You acknowledge and agree that You still may not qualify for student loan forgiveness or any specific rate or product after use of the Services. You agree and consent to some or all of the Services being provided by third-party agents or contractors.
   4. Your Responsibilities. By using Company websites and/or using the Services, You represent, warrant and covenant that You are over the age of eighteen (18) and have the power and authority to enter into and perform Your obligations under this Agreement. You agree to provide all information necessary for Company to perform the Services in the format reasonably requested by Company. Company will provide the Services based upon Your User-Provided Data and will not audit or otherwise independently verify any such User-Provided Data. You represent and warrant that any User-Provided Data provided is true, correct, complete and free of any irregularities and acknowledge that You are wholly responsible for the completeness and accuracy of information and any updates or corrections. You agree to comply with all terms and conditions set forth herein and all applicable local, state, national and international laws, rules and regulations in Your use of the Services.  You will not display, reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any content, information, data, or materials provided by Company in connection with the Services.
   5. Authorization and Consent to Share User-Provided Data. If applicable, You hereby authorize and consent to Company sharing Your User-Provided Data with third-parties for the purposes of, but not limited to, ascertaining rates for refinancing Your student loans.
   6. Consent to Contact. You agree that in using the Services, Company may send You communications via any contact method on file, i.e., mailing address, electronic mail, text messages and/or mobile push notifications (including if such communication results in charges to You). Message and data rates may apply. You agree that texts, calls or prerecorded messages may be generated by automatic telephone dialing systems. You can opt out of communications by following the “Unsubscribe”  direction in the relevant communication.
   7. Termination. Upon any breach by You of any terms or conditions of this Agreement or if We are required by law or regulatory entity, or suspect any illegal, fraudulent, unauthorized, or improper activity, as determined by Us, (each a “Prohibited Use”), We may immediately cease providing any Services and take any appropriate action We deem necessary.
   8. Service Disclosures.
      1. No Legal, Tax, Investment or Accounting Advice. You acknowledge and agree that Company is an independent contractor and not an employee, employer, partner, agent or fiduciary to You or any other person by reason of offering the Services hereunder. The Services are NOT intended to constitute legal, tax, investment, accounting or other professional advice. Company is not a debt relief services provider, loan broker, broker-dealer, registered investment advisor, or insurance agent. You agree to consult with Your own legal, tax, investment or accounting advisers, as applicable, with respect to Your individual circumstances and needs.
      2. You acknowledge and consent to use these Services while understanding that the information provided consists of ESTIMATES that may be different than actual amounts and results. Information Company provides about repayment plans that may be made available through the U.S. DOE or other governmental authorities are based on current laws and regulations, which are subject to change at any time. Our analysis is also dependent on User-Provided Data and other information You provide to Us, the current terms of Your existing student loans, and other information We obtain from third parties. Your actual results may differ if Your circumstances, applicable law or the assumptions change, or Your User-Provided Data or other information is inaccurate or incomplete. We make certain assumptions in Our analysis. For example, We assume that You will continue to be employed and that any loans with a variable rate will not be subject to an interest rate change during the life of the loan. We assume that You will always make monthly payments, in full and on the due date. If You fall behind on payments, spend time in deferment or forbearance, or change repayment plans, the information We provide may no longer be accurate. We also assume that certain repayment incentives You may receive will continue. Any such assumptions, inaccuracies or omissions in the User-Provided Data or other data provided to Us by You or any third party may negatively affect the quality and accuracy of the Services and related information We provide to You.  Even if the User-Provided Data and other information We consider is complete and accurate at the time it is provided to Us, the information and estimates We provide to You may become inaccurate or outdated due to, among other things, changes in Your income, employment status, employer, the terms of Your loans, or financial situation; changes in the laws, regulations, agreements and terms governing the repayment or refinancing plan You select; changes to the availability of any repayment plan You select; revelation of information that was not known or disclosed to Us at the time; or any other circumstances that are outside of Our knowledge or control.  Any such changes may result in changes to Your regular payment amount, loan balance, number of payments You owe, eligibility for loan forgiveness, total cost of credit, lost opportunity, or other consequences.
      3. Other Options May Be Available. We cannot guarantee Your eligibility for any of the Programs, student loan forgiveness or any given rate or product. The Services do not analyze all repayment options available, and You may be able to obtain better repayment or refinancing terms than those the Company has identified for You. You should consider Your own financial circumstances carefully before making a decision and consult Your own tax, legal and accounting advisors before engaging in any transaction.
   9. Privacy Policy; Security; User-Provided Data.   understand the need to safeguard Your information and records from unauthorized use and disclosure. You agree that all User-Provided Data is governed by Our Privacy Statement located at https://www.key.com/about/misc/online-privacy-statement.html and incorporated into this Agreement. You further understand and agree that by using the Services You accept the terms and conditions of Our Privacy Statement. If You do not agree to Your User-Provided Data being used in any of the ways described in this Agreement or in Our Privacy Statement, You must discontinue use of the Services. You represent and warrant that You have (and will retain at all times during the term of this Agreement) all rights, title, and interests necessary to provide and/or otherwise make available to Us any and all User-Provided Data. You further represent and warrant that Our use of Your User-Provided Data as contemplated by this Agreement and Our Privacy Statement will not infringe upon, misappropriate, or otherwise violate the rights of any person or entity.
   10. Changes to this Agreement. Except as otherwise required by applicable law or as provided  herein, We may add, remove, or otherwise modify any of the terms and conditions of this Agreement and/or the Services, at any time and without notice to You, and such changes will be effective immediately. Your continued use of the Services after Our sending any required notice or posting such changes to this Agreement on the Company website, will constitute Your acceptance of, and agreement to be bound by, such changes to this Agreement.  You agree that these procedures are acceptable to You to provide You with notice of changes to this Agreement. The revised Agreement will supersede the affected terms and conditions of this Agreement and shall apply to any activity or transaction previously or hereafter taken by You in connection with the Services. The current version of this Agreement will be accessible on the Company website.
   11. Your Use. In consideration of, and subject to, Your agreement to and compliance with all of the terms and conditions set forth in this Agreement, Company hereby grants to You a limited, revocable, single-user, non-exclusive, non-transferable, non-sublicensable license, in the United States, to reproduce, use, and display, for Your personal, non-commercial purposes, documents and materials made available to You in connection with the Services. Any such license will terminate if Your Services are terminated under Section 7.
   12. Information Security.  You assume all responsibilities for, and all risks of loss from Your providing personal information to any other person or entity or any website not maintained by Company, that spoofs or otherwise imitates Company websites, or by linking to third party websites from an unauthorized email.  You hereby release Company from all liabilities and obligations in connection with such actions by You.
   13. LEGAL DISCLAIMERS. THE SERVICES ARE PROVIDED “AS IS,” “WHERE IS,” AND “AS AVAILABLE.”  WE DO NOT WARRANT THE ACCURACY, ADEQUACY, COMPLETENESS OR TIMELINESS OF THE SERVICES OR ANY INFORMATION, DATA, CONTENT OR OTHER MATERIALS PROVIDED IN CONNECTION THEREWITH AND WE EXPRESSLY DISCLAIM LIABILITY FOR ERRORS OR OMISSIONS IN ANY INFORMATION OR OTHER MATERIALS PROVIDED IN CONNECTION WITH THE SERVICES.  THERE IS NO WARRANTY THAT THE SERVICES OR OTHER MATERIALS PROVIDED IN CONNECTION WITH THE SERVICES, WILL FULFILL ANY OF YOUR PARTICULAR PURPOSES OR NEEDS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS OR STATUTORY INCLUDING THE WARRANTIES OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, TITLE, MERCHANTABILITY OR QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OF INFORMATION CONTENT, INFORMATION ACCESS AND ORDER EXECUTION, OR FREEDOM FROM COMPUTER VIRUS, IS GIVEN BY US IN CONNECTION WITH THE SERVICES AND/OR ANY INFORMATION, DATA AND/OR MATERIALS AVAILABLE THEREFROM, OR WITH RESPECT TO ANY ADDITIONAL SERVICES PROVIDED BY OR IN CONNECTION WITH A THIRD-PARTY LENDER. WE DO NOT GUARANTEE THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE OR THAT CONTENT LOSS WILL NOT OCCUR, NOR DO WE GUARANTEE ANY CONNECTION TO OR TRANSMISSION FROM THE COMPUTER NETWORKS.
       YOUR USE OF THE SERVICES AND/OR ANY PROGRAM IS AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE RESULTING FROM SUCH USE.TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON THE INFORMATION, DATA, OR OTHER MATERIALS MADE AVAILABLE TO YOU IN CONNECTION WITH THE SERVICES. THE FOREGOING SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.
   14. LIMITATION OF LIABILITY. IN NO EVENT WILL COMPANY OR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, REPRESENTATIVES, VENDORS OR PROVIDERS, BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, ANY INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, SPECIAL, PUNITIVE, DIRECT OR INDIRECT DAMAGES, LOSSES, OR EXPENSES OF ANY KIND OR NATURE WHATSOEVER ARISING IN CONNECTION WITH OR RELATING TO: (i) YOU OR ANYONE ELSE ACCESSING, USING, PRINTING, COPYING OR DOWNLOADING MATERIALS OR INFORMATION RELATED TO THE SERVICES PROVIDED, (ii) ANY ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICES OR MATERIALS RELATED THERETO; (iii) THE USE OR THE INABILITY TO USE THE SERVICES; (iv) UNAUTHORIZED ACCESS TO OR ALTERATION OF ANY USER-PROVIDED DATA, (v) ANY INTERCEPTION OF ANY USER-PROVIDED DATA BY ANY UNAUTHORIZED PERSON; OR (vi) ANY OTHER MATTER RELATING TO THE SERVICES, EVEN IF WE OR ANY PERSONS OR ENTITIES, HAS OR HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES, EXCEPT AS LIMITED BY APPLICABLE LAW.  IF YOU ARE DISSATISFIED WITH THE SERVICES AND/OR WITH THE TERMS OF THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICES.  THE FOREGOING EXCLUSION OR LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.  IN THE EVENT THAT, NOTWITHSTANDING THE TERMS AND CONDITIONS SET FORTH IN THIS AGREEMENT, YOU HAVE ANY BASIS TO RECOVER ANY DAMAGES AGAINST US (INCLUDING, WITHOUT LIMITATION, AS A RESULT OF ANY BREACH OF THIS AGREEMENT BY US), YOU AGREE THAT THE CUMULATIVE LIABILITY OF COMPANY OR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, REPRESENTATIVES, VENDORS OR PROVIDERS, TO YOU OR ANY OTHER PERSON OR ENTITY SHALL, IN NO EVENT, EXCEED FIVE HUNDRED ($500.00) DOLLARS. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.
       COMPANY AND YOU FULLY ACKNOWLEDGE AND AGREE THAT THIS PROVISION IS A MATERIAL BARGAINED-FOR TERM OF THIS AGREEMENT AND THAT THIS PROVISION HAS BEEN TAKEN INTO ACCOUNT AND REFLECTED IN DETERMINING THE CONSIDERATION TO BE GIVEN BY EACH PARTY UNDER THIS AGREEMENT AND IN THE DECISIONS BY EACH PARTY TO ENTER INTO THIS AGREEMENT.
   15. Indemnification. You acknowledge and agree that You are personally responsible for Your conduct while using the Services. You agree to indemnify, defend and hold Company, and its affiliates, partners, vendors and providers, and each of their respective officers, directors, employees, agents and representatives, harmless from and against all claims, losses, damages, fines, penalties, liability, costs and expenses (including attorneys’ fees), arising out of or relating to Your unlawful or unauthorized use of the Services or for any violation of this Agreement. Notwithstanding anything in this Section to the contrary, Company may at all times select its own legal counsel and will control all aspects of its own defense, and You shall: (i) reimburse Company for its reasonable attorneys’ fees and costs immediately upon request as they are incurred; (ii) remain responsible to Company for any losses, claims, liabilities, costs and expenses (including, without limitation, Company’s attorneys’ fees) indemnified under this Section, and (iii) in the case of a third party claim, reasonably participate and cooperate in Company’s defense. Your obligations under this Section will survive any termination of this Agreement and/or expiration or cancellation of the Services.
   16. System Unavailability. Company websites and/or the Services may be unavailable for maintenance or upgrades or if major unforeseen events occur, such as earthquakes, fires, floods, computer failures, interruptions in telephone or other telecommunications service, electrical outages, civil unrest or riots, war, or acts or threatened acts of terrorism, pandemics or other circumstances beyond Our control (collectively, “Systems Unavailability”). We shall have no liability for interruptions or delays relating to Systems Unavailability.
   17. Fees. Company may receive referral fees and other fees from its affiliates or other third-party lenders in the event that You obtain certain student loan refinance or other lending products or services from such affiliates or other lenders.
   18. Governing Law, Jurisdiction and Venue. This Agreement shall be governed by the statutes and laws of the State of Ohio, and the federal laws of the United States of America, without regard to the conflict of laws principles thereof.  You agree that regardless of any law, rule or regulation to the contrary, any claim or cause of action You may have arising out of or related to use of the Services and/or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred, without consideration as to the time of discovery of such claim or cause of action. You agree, consent and hereby submit to the exclusive personal jurisdiction of and venue in the State Courts in Cuyahoga County, Ohio, and the United States District Court for the Northern District of Ohio, Eastern Division, with respect to all matters relating to this Agreement and/or the Services.
   19. Equitable Relief. You agree that any breach of this Agreement would cause Company irreparable harm for which money damages alone would be inadequate and agree that Company may seek injunctive, as well as any other available relief to prevent the actual, threatened or continued breach of this Agreement.
   20. Waivers. We will not be deemed to have waived any of Our rights or remedies under this Agreement unless such waiver is in writing and signed by Us. No delay or omission on our part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
   21. Assignment, Severability and Section Headings. You may not transfer or assign this Agreement without Our prior written approval, and any unauthorized assignment or transfer will be null and void. We may assign or transfer this Agreement at any time without notice. If any non-material term of this Agreement is declared invalid or unenforceable by any court, and the remaining terms of this Agreement are not materially affected, then this Agreement will be interpreted as if the invalid non-material terms had not been in place for this Agreement. The headings of the various sections of this Agreement have been inserted only for the purposes of convenience, and shall not be deemed, in any manner, to modify, enlarge or restrict any of the provisions of this Agreement.
   22. Survival. In the event of the cancellation, termination or expiration of this Agreement, all terms and conditions of this Agreement shall terminate other than those provisions which by their terms or nature should survive termination, including, without limitation, Sections 3 through 6, 8, 11, 13 through 15, 18 and 19.
   23. Entire Understanding. This Agreement, together with any Company wand Our Privacy Statements, constitute the entire agreement between Company and You with respect to the subject matter hereof, and supersedes all previous and contemporaneous agreements, contracts, proposals and communications between Company and You, whether written or oral