Public Service Loan Forgiveness (PSLF)
The fastest path to student loan forgiveness.
As a government or not-for-profit employee, you could be eligible for the 10-year Public Service Loan Forgiveness (PSLF) program. Schedule a free 30-minute consultation with one of our student loan specialists at GradFin1 to understand how to qualify.
Student Loan Consultation
Find Peace of Mind With A GradFin Consultation
There's more than one path to forgiveness – get the facts on repayment, forgiveness, and refinancing options and develop your personalized plan on a free 30-minute consultation with one of our GradFin student loan specialists.1 GradFin helps borrowers qualify for an average of over $110k in student loan forgiveness.2
With GradFin’s expertise, we’ve helped borrowers achieve more than $90 million in federal student loan forgiveness to date.3
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A 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).4
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.
We help you stay on track for PSLF
Become a member to easily enroll in PSLF and get expert help managing program requirements throughout your enrollment.
Analysis & Enrollment
Start with a personalized analysis of your finances, employment, and PSLF program eligibility. If you decide to enroll in PSLF, you will receive guidance throughout the application process, including employer verification.Qualifying Payment Audit & Appeal
We conduct an audit of your student loan history to confirm that you are credited for all qualifying payments. We will also manage any disputed payment appeals directly with the Department of Education on your behalf.Ongoing Program Alignment
Through a secure portal, we will help manage annual recertification of your income and employment and keep you updated with any changing rules or requirements for the duration of your repayment.Expert Guidance until Forgiveness
Ongoing access to specialists and educational webinars to help answer your questions and provide you with peace of mind that you are on the right track to optimize your savings and achieve student loan forgiveness.
PSLF is a U.S. government program that allows qualifying borrowers employed at non-profits and government entities to have their Federal Direct Loans forgiven after ten years of repayment under the Income-Driven Repayment (IDR) plan (120 payments total).
To be eligible for the program, you must:
- Be employed by a non-profit (must be tax-exempt under Section 501(c)(3) of the Internal Revenue Code) OR a U.S. government organization at any level (federal, state, local, or tribal) – including U.S. 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 an income-driven repayment (IDR) plan
- Make 120 qualifying payments
For more information, go to the Federal Student Aid website at StudentAid.gov/publicservice.
Our student loan specialist will break down your student loan profile, provide an overview of what your repayment schedule could look like under different plans, suggest ways to ease the burden of student loan payments, and answer any questions you may have regarding your student loan options.
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.
GradFin is a specialized team at Laurel Road that’s dedicated to helping student loan borrowers understand their student loan repayment options, such as refinancing or federal forgiveness programs, including Income-Driven Repayment (IDR) and Public Service Loan Forgiveness (PSLF). GradFin student loan specialists have deep knowledge of the federal policy environment, stay up-to-date on changes, and work one-on-one with you to create and execute a personalized plan for your student loan debt. GradFin was acquired by Laurel Road in 2022 and is also a brand of KeyBank N.A.
Once you submit the intake form, you’ll receive an email with a link to a secure online tool where you’ll be asked to provide a number of items to build out your profile. This will ensure that your consultant can give you the most accurate assessment based on your unique situation. These include:
- Types of loans that you currently hold (federal, private, direct, subsidized, unsubsidized, etc.)
- If you hold 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 for GradFin to conduct a soft credit pull, which will not impact your credit score
After building your profile you’ll be able to schedule your free student loan consultation.
Explore our resources.
Public Service Loan Forgiveness (PSLF) Program Explained
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Guide to Federal Student Loan Repayment Programs
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Who Qualifies for Student Loan Forgiveness?
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