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Student Loan Forgiveness Consultation for Doctors

Not sure what to do about your med school debt? We can help.

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Did you know there's more than one path to forgiveness for doctors? Get the facts and develop your personalized plan by scheduling a free 30-minute consultation with a student loan specialist at GradFin.1  

NOTICE: One-time Adjustment Deadline

Don’t miss out on potential forgiveness.

Did you know that past periods of repayment, deferment, and forbearance could now count toward IDR forgiveness? Schedule a free consultation today to find out more about this one-time adjustment before time runs out at the end of 2023.

*20 years for undergraduate loans or 25 years for graduate loans. Learn more here.

You could get a one-time adjustment if:

  • You’re one of 9.2 million borrowers with FFEL, Perkins, or Health Education Assistance Program loans; or,
  • You have past periods of forbearance; or,
  • You have past periods of deferment; or,
  • Your federal loans have been in repayment for 20 or 25 years*

Find Peace of Mind With a GradFin Consultation

Members get $98,000 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 $30 million in federal student loan forgiveness to date.3

Schedule a Consultation

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 (PSLF).

Consider Refi

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.


Income-Driven Repayment (IDR) for Doctors

Forgiveness based on your payment history.

You may be eligible for forgiveness through an IDR program that stabilizes your monthly payments based on your income. Our team can help you understand your eligibility, determine which plan is right for you, and estimate your potential forgiveness.

Learn More

PSLF for Doctors

Forgiveness for doctors employed at government or nonprofit organizations.

If you work for an eligible government or non-profit organization, we'll help you navigate the complex rules and paperwork required to qualify for the 10-year PSLF program4 so you can optimize your savings, manage compliance, and stay on track to forgiveness.

Learn more

Student Loan Refinancing for Doctors

Compare your student loan refinancing options.

A GradFin consultant can help you determine if you could save more by refinancing to a lower rate or shorter term. They'll show you options for refinancing your private loans, and compare your federal repayment options against real refinancing rates to get you on the right path.

Schedule a Consultation

We help doctors get on the right path in 3 simple steps.

Schedule Consultation

Upload your student loan documents in our secure online portal and find a time that works best for you.

Speak with a Specialist

Talk with a GradFin student loan specialist to understand your repayment options including PSLF, IDR, and refinancing.

Follow Your Plan

Through membership, you'll get a personalized repayment plan to manage your student loan debt with ease.

Student Loan Repayment Resources

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


All credit products are subject to credit approval

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. GradFin members that met the requirement for PSLF qualified for an average of $110,000 in student loan forgiveness as of 4/21/23.

  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.

  4. 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.

This information is current as of February 6, 2023. Information and rates are subject to change without notice.