Student Loan Solutions
GradFin is a student loan company whose mission is to help you find the best strategies for paying for college and paying back loans through loan refinancing and consolidation. Taking advantage of GradFin’s free one-on-one expertise and multiple banking options can help you save thousands of dollars over the term of your loan. Loan experts at GradFin will analyze new and existing federal and/or private loans and provide options to get you on the path to forgetting your debt.
Going to college
Talk to GradFin to identify the best strategy to finance your college degree.
Graduated from college
Talk to GradFin to learn how they can save you money paying back your student loans. As an Independence member, receive $100 towards your principal refinancing with Gradfin.
Learn about Loan Forgiveness
GradFin specializes in all Federal Loan Forgiveness programs. If the borrower works at a non-profit – ask about the Public Service Loan Forgiveness program. As an Independence member this program is available at a 50% discount ($100/year).
Products and Services
GradFin provides one-on-one education consultations regarding student loans. GradFin loan experts will analyze new and existing federal and/or private loans and provide options to help reduce student debt faster, simplifying the complexities of 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 and 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 to help you pay for education. Private loans differ by lender and by type of loan. GradFin can help you 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 your 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 you manage 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 you in compliance with the PSLF Program. GradFin ensures payments are tracked and audited from application to approval.
Frequently Asked Questions
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.
Federal student loans are loans issued by the federal government such as Direct Subsidized Loans, Direct Unsubsidized Loans, Direct Grad and Direct Parent Plus Loans. Federal loans contain many borrower subsidies and protections issued by the federal government. For example, Direct Subsidized Loans usually contain lower interest rates and the interest does not accrue during undergraduate studies. Federal loans also have very favorable forbearance protections which allow borrowers to temporarily suspend payments during official financial situations. Federal loans also have favorable forgiveness policies for borrowers that work for a non-profit or government institution. In addition, federal loans provide many different repayment plans: extended, standard, and income-driven repayment plans. The repayment plans are designed to allow borrowers to repay their loans in a way that benefits their financial situation.
Private loans are issued by private financial institutions and do not contain many of the same benefits that are enjoyed by federal loans. However, private lenders to have individual forbearance and deferment policies that are designed to help borrowers during financial hardship. Private loans can be suitable for borrowers looking to reduce their interest rates and usually result in lower interest payments when borrowers refinance their loans.
GradFin student loan consultants can help borrowers weigh the pros and cons of federal versus private loans and discuss the best repayment plans for federal and private loan.
We would love to set up a consultation with your parents, spouse, or other family members. 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.
In March 2020, the federal government passed into law the CARES Act, which among many other things, provided for temporary relief of federal student loans. In general, the new law automatically suspended payments and interest rates for several months (March 13 through September 30). The CARES Act only impacted federally owned student loans such as Direct Subsidized, Unsubsidized, Grad Plus and Parent Plus loans. The CARES Act does not have any impact on private-held loans issued by private banks. The CARES Act allowed for PSLF borrowers to not make payments but still get credit for qualifying payments during the administrative forbearance period.
Please select a 30-minute time slot with a GradFin Consultation Expert to find out how much you can save by refinancing your loans and through a restructured repayment plan. Our online scheduling is quick and the GradFin Consultation Expert will call you at the designated time.
Webinar held on 9/28
I came upon GradFin through an Independence Blue Cross flyer my employer shared with me. The flyer sat in my inbox for a few weeks and I finally reached out to GradFin to see how they could help. Am I am extremely excited that I did! They helped me through the process of loan forgiveness, they help me get payments refunded that I had previously made, they helped me get all of my paperwork in line for my loan forgiveness….and just the other day I received a letter that I had made 120 qualifying payments and all of my student loans were forgiven!! That was the greatest piece of mail I have received in a long time!! I greatly appreciate the support that GradFin offered and would highly recommend their services. Staff were always helpful, supportive, and responsive. Best move I ever made for my student loans.