A real option for clients you can't help.

You meet borrowers buried by private student loans every week, people with income and intent to pay who don't fit bankruptcy or a debt-management plan, and who have nowhere to turn because private loans have no federal rehab or income-driven options. GradMerge gives them a door.

What we do

If a borrower with a defaulted or charged-off private student loan is employed and willing to pay, they may qualify to move that loan into a new fixed-rate loan through our licensed lending partner, getting them out of default and into one predictable payment. It costs the borrower nothing. GradMerge is not a lender; we educate and connect.

How referring works

1. You get a personal link. We give you a tracked link unique to your firm or agency.
2. You hand it to the clients you can't help. No forms, no paperwork on your end, just the link.
3. We take it from there. They check their options for free; if they qualify, our partner handles the rest. You can see which referrals came from you.

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 informational and is not legal, tax, or financial advice. Alt Lending, LLC (NMLS #2571325).