GradMerge

Help your alumni. Fund your mission.

A partnership that delivers real financial relief to alumni who have fallen behind on private student loans, and turns it into performance-based revenue for your association, at no cost and no risk.

~$140B
in outstanding private student loan debt (est.)
~2.3M
borrowers in default or charge-off (est.)
$0
federal relief available for private loans

Private loans carry no income-driven repayment, no forgiveness, and no government discharge. A meaningful share of your alumni who borrowed privately are stuck with no path forward. Your association is the trusted voice that can finally point them to one.

How it works

  1. You send one email per quarter to your alumni list, using a tracking link we provide. We write it; you approve and send it from your own system.
  2. Alumni in default check their options on a co-branded page (e.g., gradmerge.com/iup). Those who qualify are connected to our licensed lending partner to refinance into a fixed-rate loan.
  3. You earn a royalty on every loan that funds, tracked automatically to your link.

What you earn

A 20% royalty on every funded loan.

Performance-based, paid per transaction. No cost to join, no cost to your members, and no minimums. You are paid within 30 days of our receiving the corresponding fee from the lender, with a full remittance statement each time.

What GradMerge handles (at no cost)

  • A co-branded landing page with your branding
  • Professionally written email templates
  • Tracking links and QR codes
  • Graphics, flyers, and FAQ collateral on request
  • Compliance review of every message
  • Onboarding, a dedicated contact, and 1-business-day support

What your association does

  • Send at least one approved email per quarter
  • Use only materials we have approved
  • Honor any alumni opt-out requests
  • Keep your alumni data in your own systems

Built on trust and compliance

GradMerge is a referral service, not a lender. All loans are originated by our licensed partner, Alt Lending LLC (NMLS #2571325). Our platform complies with consumer-finance law and the FCRA; your outreach complies with CAN-SPAM; every message carries the required disclosures; and GradMerge indemnifies your association for our marketing and the lending partner's practices. You never share alumni data with us, and you can exit on 60 days' notice.

Who it helps

Alumni with one or more private student loans in default or charge-off (90+ days past due), who are currently employed and intend to repay. Federal loans are not eligible. Final approval and available states rest with the licensed lender.

The terms at a glance

Your revenue20% royalty on each funded loan, performance-based
Your costNone. No cost to the association or its members
Your commitmentOne approved email per quarter
TermOne year, auto-renewing; either party may exit on 60 days' notice
Your dataStays in your systems; never shared with GradMerge
LiabilityGradMerge indemnifies the association for its marketing and the lender's practices

Let's talk about a founding partnership

We are onboarding a small founding cohort of alumni associations now.

gradmerge.com   |   844.230.7457   |   info@gradmerge.com

GradMerge is a referral and lead-generation service, not a lender, mortgage broker, or financial advisor. All loans are originated by Alt Lending LLC (NMLS #2571325). This document does not constitute a guarantee or offer of credit. Program availability and loan terms are subject to applicable state laws and the lender's underwriting guidelines. Statistics shown are estimates for context. This summary is informational; the governing partnership agreement controls. Alt Lending, LLC (NMLS #2571325).