Student Loan forgiveness Consultation
There’s more than one path to forgiveness.
Need help understanding your repayment or forgiveness options? You can schedule a free 30-minute consultation with one of our specialists to explore your repayment options and develop a personalized plan.
By submitting this form you agree to our User Agreement and Online Privacy Statement. As part of your request to schedule a consultation, you are agreeing to receive emails from GradFin related to your Student Loan consultation. Emails include but are not limited to Consultation Scheduling, Loan Information Requests, and Appointment Reminders.
Student Loan Forgiveness Consultation
Navigate your journey with an expert guide.

Expert Human Guidance
Schedule your free 1-on-1 session with a student loan specialist to understand your forgiveness and repayment options.

Tools to Take Control
Keep up with the latest student loan strategies and forgiveness programs through our newsletters and expert-led webinars.

Ongoing Support
Make confident, informed decisions with the help of our dedicated student loan experts, available by phone or email.
PUBLIC SERVICE LOAN FORGIVENESS (PSLF)
Forgiveness for government or nonprofit employees.
If you work for an eligible government or nonprofit organization, our expert team can help you understand how to qualify for the 10-year PSLF program.1 Get help navigating the current program requirements, including qualifying employers and how to apply for PSLF.
Learn MoreIncome-Driven Repayment (IDR)
Student loan repayment based on your income, not your diploma.
Even if you don’t qualify for PSLF, an Income-Driven Repayment plan could help stabilize your monthly payments. We'll help you find the right IDR plan based on your individual circumstances and provide ongoing insights to help you stay informed.
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.
Create Your Plan
Get a personalized plan and access to ongoing education 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), and Pay As You Earn (PAYE). 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.
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