There’s more than one path to forgiveness – get the facts on repayment, forgiveness, and refinacing options and develop your personalized plan on a free 30-minute consultation with one of our GradFin student loan specialists.1 GradFin helps borrowers qualify for an average of over $110k in student loan forgiveness.2
With GradFin’s expertise, we’ve helped borrowers achieve more than $90 million in federal student loan forgiveness to date.3
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Understand your Income-Driven Repayment (IDR) and forgiveness options.
See if you qualify and help you stay on track for Public Service Loan Forgiveness (PSLF).4
Compare simple refinancing options that could help you save on student loans.
If you're already in the right repayment program, GradFin helps you stay on track.
Become a member to easily enroll in PSLF and stay in comBecome a member to easily apply for IDR, optimize your tax savings plan, and stay in compliance with the program throughout your enrollment.
IDR allows you to set manageable monthly payments based on your income. That means YOU determine how much you can afford to pay each month on your path to forgiveness. Learn more about the different IDR programs available to you in our comprehensive guide.
Read MoreGradFin is a specialized team at Laurel Road that’s dedicated to helping student loan borrowers understand their student loan repayment options, such as refinancing or federal forgiveness programs, including Income-Driven Repayment (IDR) and Public Service Loan Forgiveness (PSLF). GradFin student loan specialists have deep knowledge of the federal policy environment, stay up-to-date on changes, and work one-on-one with you to create and execute a personalized plan for your student loan debt. GradFin was acquired by Laurel Road in 2022 and is also a brand of KeyBank N.A.
Our student loan specialist will break down your student loan profile, provide an overview of what your repayment schedule could look like under different plans, suggest ways to ease the burden of student loan payments, and answer any questions you may have regarding your student loan options.
If refinancing is determined to be your best option, they can help you understand what information impacts the interest rate that you might expect to be offered on your loan refinancing. Items such as your FICO score, income level, student loan balance, and current interest rate structure can impact your offer, and your specialist can walk you through how to qualify for the lowest rates on your loans.
Income-driven repayment was introduced to provide borrowers with options other than forbearance when they have trouble making monthly payments. The current income-driven options include, Saving on a Valuable Education (SAVE), Income-Based Repayment (IBR), Pay As You Earn (PAYE), and Income-Contingent Repayment (ICR) all of which adjust the borrower’s payments based on their adjusted gross income and family size – not how much they owe. Those pursuing PSLF will need to be enrolled in an IDR plan.
The Department of Education (ED) will conduct a one-time account adjustment to borrower accounts that will count time toward IDR and PSLF forgiveness, including:
Borrowers who have commercially managed FFEL, Perkins, or Health Education Assistance Loan (HEAL) Program loans may need to apply for a Direct Consolidation Loan in advance of the deadline to get the full benefits of the one-time account adjustment. For more information, visit studentaid.gov.
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