GradFin provides one-on-one education consultations regarding their student loans.  GradFin loan experts will analyze borrowers’ new and existing federal and/or private loans and provide options to help reduce their student debt faster, simplifying the complexities of their student loans.

Whether you are a student or a parent looking to pay for tuition, GradFin can help. GradFin takes the time to compare all your loan options. Each loan is different – federal subsidized & unsubsidized loans, parent plus and private loans.  GradFin will help you identify and navigate these loans so you can choose the perfect plan.

Private loans are another option for United Concordia members to help pay for their education.  Private loans differ by lender and by type of loan.  GradFin can help United Concordia members understand the terms of your loan(s), and provide a better understanding of your loans and options for future and current private loans.

The Public Service Loan Forgiveness (PSLF) program forgives the remaining balance of a borrower’s federal Direct Loans after making 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying public service employer.  The PSLF program helps borrowers manage their student loan debt while pursuing a career in public service. It is available to many employees working in public service, including all levels of government, school districts, public hospitals, non-profit organizations, and more.

GradFin helps keep borrowers in compliance with the PSLF program. GradFin works individually with members to ensure their payments are tracked and audited from application to approval.

Click here to review your PSLF options.

Our GradFin reps will discuss what information impacts the interest rate and how you can best be in the position to get the lowest rate from one of our 11 lenders. Every person has a different FICO score, income level, student loan balance, and current interest rate structure, and we walk you through the ways in which you can get the best new rates on your loans.

Our GradFin Rep will break down your loan situation, provide a chart on what your new loan payoff looks like, answer questions about what terms are the best for your particular situation, and answer any application questions that come up.

We would love to set up a consultation with your parents, spouse, friends, family members, or anyone else. In fact, many parents take out student loans for their children called Parent Plus Loans. These loans usually have higher interest rates. Please reach out to your GradFin rep to set up a consultation.

The Public Service Loan Forgiveness program provides forgiveness on federal Direct student loans for borrowers that make 120 separate qualifying payments while employed full time by an eligible public service organization.  An eligible public service organization is defined as a non-profit (501c3 tax-exempt organization) or a government entity (federal, state, local, or municipal organization).

The PSLF program was passed into law in 2007 and encourages federal student loan borrowers to work in the public service sector. GradFin provides a membership program designed to help student loan borrowers stay in compliance with the complex filing rules and regulations.  The Department of Education administers the PSLF laws and provides guidance on several issues related to the PSLF Program.

Click here to review your PSLF options.