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FinancialCoreGive employees access to an all-in-one financial wellness platform that can help them take control of their financial well-being.

Gradifi Products OverviewOverviewSee the whole Gradifi suite of solutions.Financial CoreFinancialCoreEmpower your employees with tools and resources.Student Loan PaydownStudent Loan PayDownHelp employees pay down student loans.College SaveUpCollege SaveUpOffer employees solutions to save for their children's education.

Help employees improve their financial well-being.

FinancialCore is a great way for you to offer your employees a clear path to financial well-being. FinancialCore offers a variety of tools and resources for employees to access, including:

  • Financial wellness learning modules
  • Interactive tools and calculators
  • Gradifi student loan refinancing marketplace
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FinancialCore Solutions

Learning center

Learning center

Employees can increase their financial knowledge

Employees can access interactive content modules to help them gain the insight they need to make smart financial decisions.

Impact calculator

Impact calculators

Employees can see what’s possible

Employees can leverage these personalized impact tools to better understand their student loan debt and explore repayment strategies that might work best with their personal goals.

Student loan refinancing

Student loan refinancing

Employees gain access to leading student loan refinancing lenders

Employees can potentially lower their interest rates and monthly payments by accessing our curated marketplace of student loan refinancing lenders.

Supporting participants across a wide range of industries

Connecting employees with leading lenders

There are many student loan refinancing options. We connect your employees with a lender that can best meet their needs.

EarnestLendKeyMefa
“

When this program was announced, I felt a sigh of relief that I wasn’t alone with student debt. It has truly made me appreciate our company and leadership team so much more. They truly care about our health and financial well-being."

Devon F., FinancialCore participant

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.

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EXPLORE THE GRADIFI SUITE OF SOLUTIONS

FinancialCore
Financial Core

You can help Rebecca save up to$9,576 in interest off her student loan debt.1

LEARN MORE
PayDown
Student Loan Paydown

You can help Alex save up to 2 ½ years or $17,900 off her student loan debt.2

LEARN MORE
SaveUp
College SaveUp

You can help Ethan save up to$15,293 in a 529 plan for his daughter's education.3

LEARN MORE
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Ready to make an impact on your employees' financial well-being and your company's bottom line?

Request a demo
  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.
  2. 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.
  1. 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 Corporate Services, Inc. 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.


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. Gradifi solutions are part of the Morgan Stanley at Work solutions.


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.


E*TRADE Financial Corporate Services, Inc. (NMLS ID: 1959157)


© 2021 E*TRADE Financial Corporate Services, Inc., a business of Morgan Stanley. All rights reserved.