Student Loan Repayment Consultation
Find peace of mind with a student loan consultation.
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, including how to apply for IDR, and develop a personalized plan.
By submitting this form you agree to the Laurel Road and GradFin
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.
Navigate your journey with an expert guide.
Navigating federal student loan repayment programs can be overwhelming — but you don’t have to do it alone. Laurel Road’s free consultation service connects you directly with student loan experts who can answer your questions.
Expert Human Guidance
Schedule your free 1-on-1 session and our team will review your finances and IDR program eligibility, and help you understand how to apply for the right plan.
Tools to Take Control
Keep up with the latest in 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.
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.
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.
Explore our resources.
Guide to Federal Student Loan Repayment Programs
Federal student loan borrowers have a number of repayment options to cho...
How to Apply for an Income-Driven Repayment Plan
For borrowers struggling with high monthly payments in relation to their...
How to Get Student Loan Forgiveness
Depending on factors such as your occupation, loan type, and income leve...