Student Loan Refinancing

Give your employees access to leading student loan lenders to potentially lower their interest rates and monthly payments.

Request a Demo

Inside the Benefits of Refinancing

Potentially lower interest rates and monthly payments

One convenient monthly payment to manage

Flexible repayment terms to meet individual needs

Our Leading Lenders

Earnest

Earnest Student Loan Refinancing 

With no fees, payment flexibility, and an expert Client Happiness team, Earnest does everything possible to keep clients satisfied from application until balance zero. 

First Republic Bank

First Republic Student Loan Refinancing

With some of the lowest rates in the industry and a personal dedicated banker there to assist your employees every step of the way, First Republic offers them the tools they need to pay off their student loan debt and focus on achieving their next milestone.

LendKey

LendKey No Fee Student Loan Refinancing

By working with hundreds of not-for-profit and community lenders, LendKey offers industry leading approval rates, interest rates and benefits. Employees stay with LendKey from application to complete loan payoff.

MEFA

MEFA Education Refinancing Loan

A not-for-profit public entity established in 1982, MEFA offers loans with both fixed and variable interest rates, no fees or prepayment penalties, and expert guidance to help borrowers reach their financial goals.

How it works

View our platform to see

our simple refinance process.

Request a Product Demo

Invite Your Employees

Invite employees to join Gradifi where they can easily register to gain access to refinance offers from our leading lenders.

Explore Leading Lenders

Employees can find exclusive refinance offers for Gradifi members. From Earnest, First Republic, LendKey and MEFA, we match your employees with the top lenders.

Review Employee Activity

View reports to see how many employees have registered, viewed the lender pages, and applied to refinance their loans.

Offer Repayment

Help your employees pay down their student loans even faster by also offering an SLP Plan® benefit where you can make contributions directly to their loans.

Learn More about Student Loan PayDown

STUDENT LOAN REFINANCE   MAKES AN IMPACT ON YOUR EMPLOYEeS' LIVES

You can help Rebecca save

$9,576 in interest

off her student loan debt1

Join these clients in pioneering a new way to invest in employees and thank them for investing in themselves.

PwCPenguin Random HouseSotheyby's

Pelotonlewis brisboisSuffolk

Lewis BrisboisAECOM

Masschallenge 

 

1 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.

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. recently acquired Gradifi, Inc. Gradifi offers financial wellness benefits focused on solutions for employers to provide their employees student loan and college savings benefits.


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., American Student Assistance (ASA), First Republic, LendKey, Earnest, and MEFA are separate and unaffiliated companies.


© 2020 E*TRADE Financial Corporation. All rights reserved.