Student Loan forgiveness Consultation
There’s more than one path to forgiveness.
With the addition of GradFin’s federal student loan forgiveness experts to the Laurel Road team,1 we help borrowers qualify for an average of over $110k in student loan forgiveness.2 If you have at least one federal student loan, you can schedule a free 30-minute consultation with one of our specialists to explore your repayment options and develop a personalized plan.
Don’t have federal student loans? Refinance may be the right option for you. Learn more here.
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Student Loan Forgiveness Counseling Membership
Navigate your journey with an expert guide.
Expert Human Guidance
Get the dedicated support you need to stay on track towards forgiveness with our team of specialists, available by phone or email.
Tools to Take Control
We’ll help you optimize your repayment plan, track your progress, and stay up to date with the latest federal program requirements.
Low Membership Cost
Stay on track with our annual membership, plus additional savings when you open a Freedom Plus Checking account.3
PUBLIC SERVICE LOAN FORGIVENESS (PSLF) Counseling
Forgiveness for government or nonprofit employees.
If you work for an eligible government or nonprofit organization, our annual membership helps you navigate the complex rules and paperwork required to qualify for the 10-year PSLF program.4 Our expert team can help you navigate changing program requirements, optimize your savings, and stay on track for student loan forgiveness.
Get Started
Income-Driven Repayment (IDR) Counseling
Student loan forgiveness based on your income, not your diploma.
Even if you don’t qualify for PSLF, you may be able to enroll in an Income-Driven Repayment plan to help stabilize your monthly payments. Our team can help you find the right IDR plan, review your eligible payments, and provide guidance on how to prepare for potential future forgiveness-related tax liability.
Learn MoreWe help doctors get on the right path in 3 simple steps:
Schedule Your Consultation
Upload your federal My Student Aid file in our secure online portal and find a time that works best for you.
Speak with a Specialist
Talk with a student loan specialist to evaluate your options, including repayment plans and forgiveness paths.
Follow Your Plan
Through membership, you'll get a personalized plan and ongoing guidance to manage your student loan debt with ease.
For borrowers with federal student loans, or a combination of federal and private loans, our student loan experts can help you weigh your options. During your consultation, a specialist will break down your student loan profile, provide a chart on what your new loan payoff could look like, answer questions about what terms are the best for your unique situation, and answer any application questions you may have.
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.
Our student loan consultation is designed to explore your federal and private student loan repayment options, so you will need to upload a federal student aid file before you can schedule your Laurel Road consultation. After submitting your initial consultation form, you’ll receive an email with a link to our secure online portal where you’ll be asked to provide a number of items to build out your profile so that your consultant can give you the most accurate assessment based on your unique situation. This information will include:
- Types of loans that you currently hold (federal, private, direct, subsidized, unsubsidized, etc.)
- For your federal loans, you will be asked to provide the My Aid Data file, which you can obtain via your studentaid.gov account
- The balance and interest rate for each of your loans
- Current payment schedule
- Authorization to conduct a soft credit pull, which will not impact your credit score
Once your profile is complete, you will be able to schedule your free student loan consultation.
Please note, if you do not have any federal student loans, you will not be able to schedule a consultation. If you only have private student loans, you can check your refinancing options here.
PSLF is a US government program that allows qualifying borrowers employed at nonprofits and government entities to have their Federal Direct Loans forgiven after ten years of qualifying repayment (120 payments total), usually under an Income-Driven Repayment (IDR) plan.
To be eligible for the program, you must:
- Be employed by a qualifying nonprofit OR a US government organization at any level (federal, state, local, or tribal) – including US military service
- Work full-time for that agency or organization
- Have Federal Direct Loans (or consolidate other federal student loans into a Direct Loan)
- Be enrolled in a qualifying repayment plan
- Make 120 qualifying payments
For more information, go to the Federal Student Aid website at StudentAid.gov/publicservice.
Income-Driven Repayment (IDR) was introduced to provide federal student loan borrowers with options other than forbearance to help make monthly payments more manageable. Different IDR options include Income-Based Repayment (IBR), Income-Contingent Repayment (ICR), Pay As You Earn (PAYE), and the newest plan – Saving on a Valuable Education (SAVE). All IDR plans adjust federal borrower’s payments based on their adjusted gross income and family size – not how much they owe. Those pursuing Public Service Loan Forgiveness (PSLF) are typically enrolled in an IDR plan.
The past few years have seen many changes in the federal student loan landscape, from the COVID-era payment pause to numerous changes with the application and processing of federal repayment programs. Though the Department of Education has taken steps to make the process easier, borrowers still face many challenges managing and repaying their student loans. To help you find peace of mind, we’ve created an annual membership that offers expert guidance from our dedicated team who specialize in federal forgiveness programs like Public Service Loan Forgiveness (PSLF) and Income-Driven Repayment (IDR).
After completing a free student loan consultation, our team will be able to recommend either a PSLF or IDR Counseling membership based on your individual circumstances. With an annual membership, our team can help you navigate the complexities of federal program updates, track your eligible payments, review your repayment plan options, and help you stay on track towards student loan forgiveness year after year. Our team can also help you make appeals with the Department of Education, if there are any discrepancies, and you’ll have year-round access to our team by phone, email, or video call. The cost of the annual membership is $549, but you can receive a $200 discount* when you combine your membership with a Laurel Road Freedom Plus Checking℠ account and complete qualifying checking activities. The new Freedom Plus Checking account can help you easily track your student loan forgiveness payments and progress – with all the benefits of our digital checking account, learn more here.