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Public Service Loan Forgiveness (PSLF) for Doctors

We can help get you on the fastest path to student loan forgiveness.

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As a doctor working in a government or nonprofit organization, you could be eligible for the 10-year PSLF program. Schedule a free 30-minute consultation with one of our student loan specialists at GradFin1 to learn more.

Eligibility Requirements

We can help you determine if you qualify.

A GradFin specialist can help you navigate the complex regulations and paperwork required to qualify for the 10-year PSLF program2 so you can optimize your savings, manage compliance, and stay on track to forgiveness with peace of mind.

You may be eligible for PSLF if:

  • You are employed by a qualifying nonprofit or US government organization at any level (federal, state, local, or tribal) – including the US military.
  • You work full-time for that agency or organization.
  • You have federal loans.

Benefits of GradFin PSLF Management

Peace of mind is priceless.

With our annual PSLF membership, you get access to our team of student loan specialists at GradFin who have helped borrowers achieve more than $30 million in federal student loan forgiveness since 2015.3

Our specialists will help you stay in compliance with PSLF for the duration of your enrollment, ensuring your payments are tracked and audited until the day of your forgiveness.

We help doctors stay on track for PSLF.

Become a member to easily enroll in PSLF and get expert guidance on how to stay in compliance throughout your enrollment.

Analysis & Enrollment

Start with a personalized analysis of your finances, employment, and PSLF program eligibility. If you decide to enroll in PSLF, 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.

Ongoing Program Compliance

Through a secure portal for document storage, we will manage annual recertification of your income and employment to ensure that you stay in compliance with any changing rules for the duration of your repayment.

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're on track to achieve student loan forgiveness after 120 qualifying payments.

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. 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.

    3. This is the total dollar value of loans forgiven for GradFin customers as of 2/27/2023. This dollar value is based on the customer reported forgiveness amount and can be substantiated by the Department of Education’s Forgiveness letters.