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Student Loan Forgiveness Consultation

Explore your student loan options with an expert guide.

Did you know there's more than one path to forgiveness? Get the facts and federal policy updates – and develop your personalized plan – on a free 30-minute consultation with one of our student loan specialists 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).

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.

Income-Driven Repayment (IDR)

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

Public Service Loan Forgiveness (PSLF)

Forgiveness for government or not-for-profit employees.

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

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

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.

  • What can I expect to learn in the 1-on-1 student loan consultation?

    A GradFin student loan 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.

  • What is GradFin?

    GradFin was founded in 2015 to help student loan borrowers manage their loans, repay them faster, start saving earlier and achieve their financial goals. GradFin provides borrowers access to free consultations with student loan specialists, helping them understand their options through student loan forgiveness, refinancing, or a combination of both.

    Now a brand of KeyBank N.A., GradFin’s specialists have over 50 years of combined experience in working in federal student loan management, including from former FedLoan Servicing trained employees, and have conducted over 60,000 consultations with borrowers since 2015.

  • What is the one-time IDR adjustment, and who needs to take action by the 2023 end of year deadline?

    The Department of Education (ED) will conduct a one-time account adjustment to borrower accounts that will count time toward IDR and PSLF forgiveness, including:

    • Any months in a repayment status, regardless of the payments made, loan type, or repayment plan
    • 12 or more months of consecutive forbearance or 36 or more months of cumulative forbearance
    • Months spent in economic hardship or military deferments after 2013
    • Months spent in any deferment (with the exception of in-school deferment) prior to 2013
    • Any time in repayment on earlier loans prior to consolidation of those loans into a consolidation loan

    Borrowers who have commercially managed FFEL, Perkins, or Health Education Assistance Loan (HEAL) Program loans should apply for a Direct Consolidation Loan by the end of 2023, to get the full benefits of the one-time account adjustment. For more information, visit studentaid.gov.

  • What information do I need to provide prior to my free consultation?

    After scheduling your consultation, you’ll receive an email with a link to GradFin Concierge, a secure online tool, 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. 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
  • What is Public Service Loan Forgiveness (PSLF), and who is eligible?

    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.

  • What is Income-Driven Repayment (IDR)?

    Income-driven repayment was introduced to provide borrowers with options other than forbearance when they have trouble making monthly payments. Four of the more popular income-driven options are, Income-Based Repayment (IBR), Pay As You Earn (PAYE), and Revised Pay As You Earn (REPAYE), and Income-Contingent Repayment (ICR) all of which adjust the borrower’s payments based on their adjusted gross income and family size – not how much they owe. Those pursuing PSLF will need to be enrolled in an IDR plan.

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.