Income Driven Repayment (IDR) for Doctors
Manageable payments on a steady path to forgiveness.
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.
Student Loan Consultation
MEMBERS GET OVER $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 $76 million in federal student loan forgiveness to date.3
By submitting this form you agree to the Laurel Road and GradFin
User Agreement and Online Privacy Statement.
A GradFin student loan consultation will help you:
Apply for IDR
Understand your income-driven repayment (IDR) and forgiveness options.
Navigate PSLF
See if you qualify and help you stay on track for public service loan forgiveness.4
Explore Refinancing
Compare simple refinancing options that could help you save on student loans.
Stay the Course
If you're already in the right repayment program, we'll help you stay on track.
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 liability5 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.
Disclaimers
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.
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GradFin and Laurel Road are brands of KeyBank N.A.
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GradFin members that met the requirement for PSLF qualified for an average of $116,160.92 in student loan forgiveness as of 8/21/2023.
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This is the total dollar value of loans forgiven for GradFin customers as of 8/21/2023. This dollar value is based on the customer reported forgiveness amount and can be substantiated by the Department of Education’s Forgiveness letters.
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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.
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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.
KEYBANK NATIONAL ASSOCIATION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. This information is current as of January 11, 2022. Information and rates are subject to change without notice.