Give your employees exclusive access to actionable financial wellness resources, counseling, tools and student loan refinancing.

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 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. 


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 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 financial wellness solutions.

Request a Product Demo

Invite Your Employees

Invite employees to join Gradifi where they can easily register to gain access to financial wellness resources.

Explore FinancialCore

Provide employees with access to one-on-one counseling, an online library of learning modules and tools about a lifespan of financial topics and Gradifi's student loan refinancing marketplace.

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.


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



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).

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