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Student Loan Forgiveness Consultation for Nurses

Explore your student loan options with an expert guide.

Did you know there's more than one path to forgiveness for nurses? Get the facts and develop your plan in a free 30-minute consultation with a GradFin specialist.1

NOTICE: One-time Adjustment Deadline

Don’t miss out on potential forgiveness.

Did you know that past periods of deferment or forbearance could now count toward IDR forgiveness for eligible borrowers? 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 be eligible 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

    Our student loan specialists can help nurses:

    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).

    Explore Refinancing

    Compare simple refinancing options that could help you save on student loans.

    Stay the Course

    If you're already in the right repayment program, GradFin helps you stay on track.

    Public Service Loan Forgiveness for Nurses

    Forgiveness for nurses employed by 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

    Income-Driven Repayment for Nurses

    Forgiveness for nurses based on payment history.

    If you work at a for-profit organization, you may be eligible for forgiveness through a repayment plan based on your income. Our team can help you understand your eligibility for IDR and estimate your future payments and potential forgiveness.

    Learn More

    Student Loan Refinancing for Nurses

    Compare your student loan refinancing options.

    If you don't qualify for student loan forgiveness, a GradFin consultant can help you determine if you could save by refinancing to a lower rate or shorter term. They'll compare your federal and private student loans against real refinancing rates so you can understand which repayment option is right for you.

    Learn More

    We can get you on the right path in 3 simple steps.


    Schedule your free student loan consultation with one of our specialists at GradFin to review your student loan repayment options. Together, we’ll determine the right path for you.

    Schedule Your 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.

    Frequently Asked Questions

    Questions? We've got answers.

    • Can I still take advantage of federal benefits after I refinance my federal loans with Laurel Road?

      If you are refinancing any federal student loans with Laurel Road, you will no longer be able to take advantage of federal income driven repayment programs or student loan forgiveness, including but not limited to: Income Based Repayment (IBR), Pay As You Earn (PAYE) or Revised Pay As You Earn (REPAYE), and Public Service Loan Forgiveness (PSLF). For more information about the benefits of these federal programs and other federal student loan programs, please visit https://studentloans.gov.

    • How does the student loan refinancing process work?

      It’s actually pretty simple – the entire application is completed online, and you can receive preliminary rate in as little as 5 minutes.

      1. Fill out a short application with basic information about your loan, education, and employment. Once you authorize a soft credit pull and assuming you have provided enough information, we will provide you with preliminary rates, which are conditional upon further underwriting review and authorize a hard credit pull.
      2. Upload your supporting documents to Laurel Road’s secure dashboard and authorize a hard credit pull to complete your online application. Once we have received your application, we will underwrite your loan and provide you with your final rates and loan terms if approved.
      3. Select your loan type and term, and e-sign all necessary disclosures and your promissory note in the Laurel Road dashboard.

      Laurel Road will pay off your student loans to your current lenders and provide you with instructions to set up the servicing of your new loan. Your first payment to Laurel Road will be due one month from your disbursement date.

    • Is the money in my Laurel Road Checking® account FDIC-insured?

      Yes. The balance in your checking account is FDIC-insured up to the maximum allowable limit. Laurel Road is a part of KeyBank N.A. All single accounts owned by the same person at KeyBank N.A. are added together and insured up to the maximum allowable limit. To learn more, contact the FDIC toll-free at 1.877.ASK.FDIC (1.877.275.3342) or visit www.fdic.gov.

    • Who is eligible to refinance their student loan with Laurel Road?

      U.S. citizens or permanent residents with a valid I-551 form (“permanent green card”) are eligible to refinance student debts with Laurel Road.

      Laurel Road refinances student loans for working professionals with four-year undergraduate and/or graduate degrees from Title IV accredited institutions, as well as for professionals who have an associate degree* in designated professions. Graduate students and undergraduates can refinance student loans as early as their final semester of school, so long as they have a signed contract or letter of employment. We also refinance student loans for parents who took out debt to finance their child’s education. We also refinance student loans for parents who took out debt to finance their child’s education. To be eligible for the Parent Student Loan Refinancing Program, the child must have attended a Title IV School but does not need to have graduated. Loan eligibility depends on lending criteria, such as your credit profile, monthly income, and monthly debt payments.

      *Additional eligibility requirements for Associate degree applicants:

      The applicant must either be currently enrolled and in the final term of the associate degree program at a Title IV eligible school with an offer of employment in the same field in which they will receive the associate degree OR have graduated from a school that is Title IV eligible with an associate degree in the following eligible programs. The graduate must be employed, for a minimum of 12 months, in the same field of study of the associate degree earned:

      • Cardiovascular Technologist (CVT)
      • Dental Hygiene
      • Diagnostic Medical Sonography
      • EMT/Paramedics
      • Nuclear Technician
      • Nursing
      • Occupational Therapy Assistant
      • Pharmacy Technician
      • Physical Therapy Assistant
      • Radiation Therapy
      • Radiologic/MRI Technologist
      • Respiratory Therapy
      • Surgical Technologist
    • Why should I refinance my student loan?

      Refinancing student loans may add up to significant savings. For example, if you refinance multiple loans into one loan with a lower rate, and keep the loan term the same, you will accrue less interest over the life of the loan, saving you money on a monthly basis and over the course of the loan.

    • How much interest will I earn with my Laurel Road Checking account?

      Laurel Road Checking® is an interest-bearing account. You can see the most updated interest rate for your Laurel Road Checking account here.

    Student Loan Resources

    Explore our resources.


    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.