GradMerge exists for one reason: to give people with defaulted private student loans a real path forward, even when it feels like every door has closed.
Private student loans are a different animal from federal ones. They don't come with income-driven repayment, federal rehabilitation, or forgiveness. So when a borrower hits a rough patch and falls behind, the relief programs everyone talks about simply don't apply. The loan charges off, the collection calls start, and otherwise responsible people, who have a job and every intention of paying, end up feeling trapped with nowhere to turn.
We connect those borrowers with a way out. If someone is employed and intends to pay, they may qualify to move a defaulted or charged-off private loan into a new fixed-rate loan through our licensed lending partner. That ends the default and replaces the chaos with one predictable monthly payment.
To be clear about our role: GradMerge is a marketing company, not a lender. We don't make credit decisions, set rates, or originate loans, and we never charge the borrower a fee. What we do is educate people about their options and connect them with the right partner.
All lending is handled by Alt Lending LLC (NMLS #2571325), a licensed lender that originates and services the loans, handles underwriting, and operates under full regulatory compliance. We bring the borrower and the option together; they handle the loan.
GradMerge never charges the borrower a cent.
We focus on where you are now, your job and your intent to pay, not just a credit score.
No hidden costs, no misleading offers, every step explained clearly.
GradMerge is a marketing company and is not a lender. GradMerge does not make credit decisions, set rates, originate loans, or charge consumers a fee. Loans are originated and serviced by Alt Lending LLC, subject to its approval, eligibility, and applicable state licensing. This page is an advertisement and is not legal, tax, or financial advice. Alt Lending, LLC (NMLS #2571325).