The Economic Stimulus Package Has Passed!
With the economic stimulus package approved, Student Loan PayDown is now a tax-free benefit. To learn more about the meaningful impact of student loan contributions, click on the button to the right.

Financial benefits that matter now

Gradifi’s solutions help great companies and their people thrive.

Financial Core


Exclusive access to actionable financial wellness resources, for your employees.

Student Loan PayDown
Student Loan


Direct contributions to your employees’ student loans

College SaveUp


Direct contributions to your employees’ 529 plans

For Employers
What can Gradifi do for my company?
For Employees
What can Gradifi do for me?

Our Solutions

Benefits that Reward You and Your People



Offer a financial wellness benefit with resources and tools to empower your people to take actionable steps towards their financial goals.

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Student Loan Paydown

Student Loan PayDown

Give your people the power to pay down their student loans faster and save money for their lives.

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College SaveUp

College SaveUp

Support your employees and their families with contributions to their 529 plans.

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With all of our benefits, members receive access to a full suite of financial wellness solutions.

Personalized Counseling

Personalized Counseling

Expert student loan and college counseling from American Student Assistance

Content & Guides

Content & Guides

Interactive education materials that help people make smart choices about their finances
Calculator & Tools

Calculator & Tools

Financial tools that help people see the big picture and the small

Get out in front of the competition.
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Benefits designed to solve your most pressing workforce needs

Great companies turn to Gradifi to attract, engage and keep the market’s most sought after talent.

Case Study
Propel Schools

Propel and Gradifi drive recruitment & retention. Read how.

Gradifi Benefits OFF



of employees wish their jobs came with a student loan benefit1



of employees spend 12-20 hours a month dealing with their financial stressors at work2



of Millennials plan to quit their current job within two years3



estimated lost retirement savings over a 50-year period due to student debt4

Great companies choose Gradifi

Here’s why

Our Approach

Gradifi makes powerful benefits simple. We help you design, implement and develop solutions to answer your workforce needs.


Through surveys and analysis, we help you understand your staffing challenges and the impact our solutions can deliver to your bottom line.



We work with you to customize solutions for your company and help you build your internal business case for organizational buy-in.


From our first phone call forward, we’re there for you with easy onboarding, exceptional service and partnership at every level, to set you up for success.

Solve your biggest workforce need starting now.
Start now

Customize your benefits, maximize your impact

Gradifi’s customizable approach lets you mix and match the benefits that best suit your needs and the needs of your employees.

Customizable product suite to meet the needs of your employees
Make an impact with your people.
Get started

Trusted by over 800 companies

Success stories

Our clients tell their stories

Gradifi by E*TRADE is now part of the Morgan Stanley at Work suite of solutions.
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The material provided by E*TRADE Financial, 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. acquired Gradifi, Inc. Gradifi offers financial wellness benefits focused on solutions for 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., American Student Assistance (ASA), LendKey, Earnest, and MEFA are separate and unaffiliated companies.

Gradifi by E*TRADE is a licensed provider of money transfer services (NMLS ID: 1959157).

© 2020 E*TRADE Financial, LLC, a business of Morgan Stanley. All rights reserved.