Financial benefits that matter now
Gradifi’s solutions help great companies and their people thrive.
Refi
Student loan refinancing at competitive rates
PayDown
Direct contributions to your employees’ student loans
SaveUp
Direct contributions to your employees’ 529 Plans
Our Solutions
Benefits that Reward You and Your People

Gradifi Refi
A high impact, no-cost way to give low rates, best-in-class service and educational resources to your people.
Learn more

Student Loan PayDown
Give your people the power to pay down their student loans faster and save money for their lives.
Learn more

College SaveUp
Support your employees and their families with contributions to their 529 plans.
Learn more
With all of our benefits, members receive access to a full suite of financial wellness solutions.
Personalized Counseling
Expert student loan and college counseling from American Student Assistance
Content & Guides
Calculator & Tools
Financial tools that help people see the big picture and the small
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.
Recruit
78%
of employees wish their jobs came with a student loan benefit1
Engage
80%
of employees spend 12-20 hours a month dealing with their financial stressors at work2
Retain
43%
of Millennials plan to quit their current job within two years3
Retire
$684,474
estimated lost retirement savings over a 50-year period due to student debt4
Great companies choose Gradifi
Our Approach
Assess
Through surveys and analysis, we help you understand your staffing challenges and the impact our solutions can deliver to your bottom line.
Develop
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.
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.
Trusted by over 500 companies








Our clients tell their stories
2 https://www.ifebp.org/inforequest/ifebp/0165695.pdf
3 2018 Deloitte Millennial Survey; https://www2.deloitte.com/content/dam/Deloitte/global/Documents/About-Deloitte/gx-2018-millennial-survey-report.pdf
4 https://www.nerdwallet.com/blog/investing/millennial-grad-retirement-age-is-75/
5 Life Delayed: The Impact of Student Debt on the Daily Lives of Young Americans
6 Gradifi Member Satisfaction Survey, 2018
7 Student loan debt and housing report 2017 - https://nar.realtor/research-and-statistics/research-reports/student-loan-debt-and-housing-report
8 Earnest’s fixed rate loan rates range from 3.89% APR to 7.89% APR (including 0.25% Auto Pay discount). Earnest rate ranges are current as of January 16. 2019 and are subject to change based on market conditions and borrower eligibility. Auto Pay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
9 Annual Percentage Rate. First Republic fixed rate loan rates range from 1.95% to 4.70%. APR effective as of February 15, 2019 and subject to change. Lowest advertised fixed rates and pricing adjustments for a 5 to 15 year loan for First Republic Bank. Borrower must open a First Republic ATM Rebate Checking account (“Account”). Terms and conditions apply to the Account. If the Account is closed, the rate will increase by 5.00%. Rates shown include relationship -based pricing adjustments of: 1) 2.00% for maintaining automatic payments and direct deposit with the Account, 2) 0.50% for depositing and maintaining a deposit balance equal to the greater of 10% of the approved loan amount or $5,000 into the Account; and 3) an additional 0.25% for depositing and maintaining a deposit balance equal to the greater of 20% of the approved loan amount or $10,000 into the Account. Terms and conditions apply to the ATM Rebate Checking account. Contact a First Republic banker to learn more. The terms of this product may differ from terms of your current loan. For example, this product does not contain special features such as forbearance periods and income-based repayment plans available for student loans. Member FDIC and Equal Housing Lender.
10 Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on LendKey’s website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms and benefits offered on the LendKey website at any time without notice. LendKey Technologies, Inc., is not affiliated with, nor does it endorse, any educational institution. Rates effective as of February 8, 2019, and subject to change. Auto Pay Discount: In some circumstances, the lender of the loan may offer a 0.25% reduction if you choose to enroll in automatic monthly payments from a personal checking or savings account to pay principal and interest amounts that are due. The reduction may be removed and the rate will be increased (leading to higher payments) upon any cancellation or failed collection attempt of the automatic payment, and will be suspended during any period of deferment or forbearance.
11 2016 AON Financial Mindset Study; http://www.aon.com/attachments/human-capital-consulting/2016-financial-mindset-study.pdf
12 https://www.newamerica.org/education-policy/policy-papers/interest-of-few/
13 Estimated savings are based on refinancing a $40,000 student loan with an 6.8% APR and 10-year repayment term to a new loan with a 4.50% APR and 10-year repayment term. Individual savings may vary.