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Financial wellness benefits that work for all.Our solutions meet your employees where they are, to help get them where they want to be.

The Gradifi Suite of Solutions

We’ve developed financial wellness solutions that can help your employees gain the knowledge and confidence they need to spend less time worrying about finances and more time reaching financial goals.

With our solutions:
  • Your company can offer flexible, customizable financial wellness solutions that best suit you and your employees’ needs.
  • Your employees will have access to a user-friendly financial wellness platform that is focused on them, and you’ll have access to an easy-to-use admin platform.
  • You will receive exceptional service from onboarding through employee engagement.
Financial Core

FINANCIAL Core

Give employees access to a financial wellness platform that can help them take control of their financial well-being.

  • The platform is an easy-to-implement solution for financial wellness benefits.
  • It's also easy for employees to use—and offers resources to help them plan for and work toward their financial goals.
  • Employees can access learning modules, interactive tools, and our student loan marketplace—all in one place.
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Student Loan Paydown

STUDENT LOAN PayDown

Help your employees pay down their student loan debt faster through direct contributions towards their student loans so they can focus on their next financial goal.

  • Recruit and retain a loyal workforce by addressing one of the main sources of employee financial stress.
  • Invest in your employees’ financial well-being and get them on a fast track to being student loan-debt free.
  • Build a flexible, customizable benefit that is easy to manage and meets your needs.
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College Save Up

COLLEGE SaveUp

Help your employees save for their children's education with direct contributions to their 529 college savings plans.

  • Build and maintain employee engagement by supporting one of your employees’ most personal financial goals.
  • Ease employee stress by helping employees save for their children’s future.
  • Choose from multiple benefit design options, including direct contributions and payroll deductions.
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Customize your benefits
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Customize your benefits, maximize your impact.

We are your ally in designing the benefits mix that is right for your employees and your bottom line.

Our exceptional service means less stress for you.

We will work with you to assess your company’s recruitment and retention goals and workforce needs—and to develop custom solutions to help you achieve those goals.

Our solutions are simple to implement.

Onboard Gradifi with ease

Get employees onboarded with ease.

Our easy-to-use platform allows your HR team to set up our solutions with the option to easily integrate systems if needed. We are here for you from start to finish—from administrative onboarding to preparing to launch the benefit through ongoing management.

Security is at the heart of our platform

Security is the heart of our platform.

We take the security of our platform seriously and are committed to safeguarding privacy and data.

Enrollment is just the beginning

Enrollment is just the beginning.

Employees may feel overwhelmed just thinking about paying down student loans or saving for their future. Our team is here to help them. We will work with you to educate and engage employees on the Gradifi solutions and the benefit of financial wellness benefits. We offer:

  • Lunch and learns on how to use Gradifi benefits.
  • Webinars about a variety of financial wellness topics.
  • Open enrollment support.
  • Call center support from our dedicated customer service representatives.
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Ready to make an impact on your employees' financial well-being and your company's bottom line?

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  1. Oliver Wyman 2017 Survey of Student Loan Finances. Conducted May 2017. Survey included 3,002 US households between 18 and 50 in age, with a bachelor’s degree or more, who are either employed or seeking employment. Of the 3,002 households that qualified to complete the survey, 1,012 had outstanding student loans.
  2. Estimated savings are based on refinancing a $50,000 student loan with an 6.8% APR and 10-year repayment term to a new loan with a 3.55% APR and 10-year repayment term. Individual savings may vary.
  1. Estimated savings are based on a $50,000 student loan balance at 6% APR, under a 10-year repayment plan with a $150 monthly employer contribution plus regular monthly payments made by the borrower.
  2. Estimated savings are based on $100/month employer contribution for five years with a 6% annual rate of return for eighteen years before a child goes to college. Individual savings may vary.

The material provided by E*TRADE Financial Holdings, LLC or any of its direct or indirect subsidiaries (E*TRADE) or by a third party not affiliated with E*TRADE is for educational purposes only and is not an individualized recommendation. The information contained in the third-party material has not been endorsed or approved by E*TRADE, and E*TRADE is not responsible for the content. This information neither is, nor should be construed as, an offer or a solicitation of an offer, or a recommendation, to buy, sell, or hold any security, financial product, or instrument discussed herein, or to open a particular account or to engage in any specific investment strategy by E*TRADE.


The E*TRADE Financial family of companies provides financial services, including trading, investing, banking, and managing employee stock and financial wellness benefit plans.


E*TRADE Financial Corporate Services, Inc. offers the Gradifi suite of financial wellness solutions, enabling employers to provide their employees student loan and college savings benefits.


Content and services available to non-US participants may be different than those available to US participants.

This is not an offer to sell or a solicitation of an offer to buy securities, products or services, by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.


The laws, regulations, and rulings addressed by the products, services, and publications offered by E*TRADE Financial Corporate Services, Inc. and its affiliates are subject to various interpretations and frequent change. E*TRADE Financial Corporate Services, Inc. and its affiliates do not warrant these products, services, and publications against different interpretations or subsequent changes of laws, regulations, and rulings. E*TRADE Financial Corporate Services, Inc. and its affiliates do not provide legal, accounting, or tax advice.


Always consult your own legal, accounting, and tax advisors. E*TRADE Financial Corporate Services, Inc., LendKey, Earnest, and MEFA are separate and unaffiliated companies.


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