+ LR-Icons

Income Driven Repayment (IDR) for Doctors

Manageable payments on a steady path to forgiveness.

Element/Bulb Line

Did you know that doctors working in the private sector could qualify for forgiveness through an IDR program? Schedule a free 30-minute consultation with one of our student loan specialists at GradFin1 to create a personalized plan.

Get Started with a GradFin Consultation

We can help find the right program for your needs.

A consultation with our specialists at GradFin can help you compare IDR options and determine which program is best for you – so you can optimize your savings, rest assured about program compliance, and stay on track to achieve federal student loan forgiveness.

You may be eligible if:

  • Income-Based Repayment (IBR)
  • Pay As You Earn (PAYE)
  • Revised Pay As You Earn (REPAYE)
  • Income-Contingent Repayment (ICR)

Benefits of GradFin IDR Management

Rest assured that you're following the rules.

Our annual IDR membership gives you ongoing access to our team of student loan specialists at GradFin who have been helping borrowers manage federal student loan repayment since 2015. Our specialists will help you stay in compliance for the duration of your enrollment, and help you prepare for potential forgiveness tax liability2 with a personalized savings strategy.

We help doctors stay on track for IDR forgiveness.

Become a member to easily apply for IDR, optimize your tax savings plan, and stay in compliance with the program throughout your enrollment.

Analysis & Enrollment

Start with a personalized analysis of your finances, employment, and IDR program eligibility. If you decide to enroll in an IDR program, you will receive guidance throughout the application process, including employer verification.

Qualifying Payment Audit & Appeal

We conduct an audit of your student loan history to confirm that you are credited for all qualifying payments. We will also manage any disputed payment appeals directly with the Department of Education on your behalf.

Savings Optimization

We will determine your estimated tax liability and provide guidance for a monthly and annual savings strategy. This includes how to prepare for potential future forgiveness tax liability.

Expert Guidance until Forgiveness

Ongoing access to specialists and educational webinars to help answer your questions and provide you with peace of mind that you are on the right track to optimize your savings and achieve student loan forgiveness.

Student Loan Repayment Resources

You've got questions, we've got answers.


IMPORTANT INFORMATION: The U.S. Department of Education recently announced a student loan debt relief plan which includes forgiveness of up to $10,000 for qualifying federal student loans and up to $20,000 for qualifying Pell Grant recipients. For more information, please read the announcement. Please note that if you refinance qualifying federal student loans with Laurel Road, you may no longer be eligible for certain 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, student loan debt relief or public service loan forgiveness, repayment options such as Income Based Repayment or Pay As You Earn, or COVID-19 relief benefits such as a 0% interest rate, suspension of payments 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. In providing this information, neither Laurel Road nor KeyBank nor its affiliates are acting as your agent or is offering any tax, financial, accounting, or legal advice.