{"id":617,"date":"2025-11-18T14:05:49","date_gmt":"2025-11-18T14:05:49","guid":{"rendered":"https:\/\/dev-benefits2024.pantheonsite.io\/us\/?page_id=617"},"modified":"2026-02-09T22:27:48","modified_gmt":"2026-02-09T22:27:48","slug":"gradifi-student-loan-refinancing-and-counseling","status":"publish","type":"page","link":"https:\/\/benefits.aecom.com\/us\/gradifi-student-loan-refinancing-and-counseling\/","title":{"rendered":"Gradifi (Student Loan Refinancing and Counseling)"},"content":{"rendered":"\n<div class=\"wp-block-columns sticky-sidebar-container is-layout-flex wp-container-core-columns-is-layout-cbe57604 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.667%\">\n<p>Reduce and manage your student loan debt with Gradifi \u2014&nbsp;our college financial planning, student loan refinancing and counseling service.&nbsp;<\/p>\n\n\n\n<p>All employees, their spouses\/domestic partners and other adult family members can access this benefit at any time.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" style=\"margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50)\" \/>\n\n\n\n<h3 class=\"wp-block-heading mb-3\">Overview<\/h3>\n\n\n\n<ul id=\"block-d6f8b1b5-9b23-4abd-ba0f-96deb715a307\" class=\"wp-block-list\">\n<li class=\"  \">Gradifi offers special student loan refinancing options and rates through leading lenders, including First Republic and LendKey banks, allowing you to consolidate payments and lower your student loan payments and interest rates.<\/li>\n\n\n\n<li class=\"  \">Gradifi\u2019s digital resource center has college financial planning calculators, articles and other useful tools to help you plan for future college costs.&nbsp;You can also find additional financial well-being resources to help you learn financial basics, understand the concept of financial responsibility, plan for various milestones, find budgeting tools and plan for retirement.<\/li>\n\n\n\n<li class=\"  \">Gradifi also gives you access to college financial planning and student loan counselors through American Student Assistance\u00ae (ASA), a national nonprofit group dedicated to helping people make decisions about their higher education expenses. They can help you understand your options and create a personalized strategy for:\n<ul class=\"wp-block-list\">\n<li class=\"  \">Planning and paying for college<\/li>\n\n\n\n<li class=\"  \">Repaying private and federal student loans<\/li>\n\n\n\n<li class=\"  \">Postponing, forgiving and discharging student loans<\/li>\n\n\n\n<li class=\"  \">Consolidating and refinancing student loans<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity mb-3\" \/>\n\n\n\n<h3 class=\"wp-block-heading mb-3\">How it Works<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"  \">Once you register with Gradifi, you can see your refinancing options and begin the refinancing process with the lender of your choice. Alternatively, you can contact Gradifi at 844.472.3434&nbsp;or email&nbsp;<a href=\"mailto:membersupport@gradifi.com\" target=\"_blank\" rel=\"noreferrer noopener\">membersupport@gradifi.com<\/a>. Be sure to have your outstanding student loan debt information on hand, if applicable.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"  \">After registering, you can sign in to access all the resources in Gradifi\u2019s digital resource center, mentioned above.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"  \">You can also contact American Student Assistance (ASA) for financial planning and counseling assistance at 844.248.3447&nbsp;or by email at&nbsp;<a href=\"mailto:support@asa.org\" target=\"_blank\" rel=\"noreferrer noopener\">support@asa.org<\/a>.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" style=\"margin-top:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50)\" \/>\n\n\n\n<h3 class=\"wp-block-heading mb-3\">Cost<\/h3>\n\n\n\n<p>There is no cost to you to use any of the Gradifi services. However, you are responsible for fees associated with any loan refinancing options you select.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column sticky-sidebar is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<section class=\"wp-block-cover quick-links\" style=\"padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;min-height:50px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-midnight-teal-background-color has-background-dim-100 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-container-core-cover-is-layout-e158748c wp-block-cover-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left\" style=\"font-size:24px\">Related Links<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"  \"><a href=\"https:\/\/bettermoneyhabits.bankofamerica.com\/en\/college\/4-questions-about-saving-money-for-college\" target=\"_blank\" rel=\"noreferrer noopener\">College Expense Planning&nbsp;<\/a><\/li>\n\n\n\n<li class=\"  \"><a href=\"https:\/\/www.merrilledge.com\/college-savings\/college-cost-calculator?cm_mmc=-_--_-nekbr-_-\" target=\"_blank\" rel=\"noreferrer noopener\">College Planning Tool&nbsp;<\/a><\/li>\n<\/ul>\n<\/div><\/section>\n\n\n\n<div class=\"wp-block-cover is-light resources-sidebar has-vendor-data vendor-group-vendor_contact\" style=\"padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;min-height:50px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-stone-gray-background-color has-background-dim-100 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-container-core-cover-is-layout-3dcc9c70 wp-block-cover-is-layout-constrained\"><style>\n\t\t.vendor-directory-fields {\n\t\t\tmargin-bottom: 20px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-name {\n\t\t\tmargin: 0 0 12px 0;\n\t\t\tfont-size: 1.5em;\n\t\t\tfont-weight: 600;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-description {\n\t\t\tmargin: 0 0 20px 0;\n\t\t\tfont-size: 1em;\n\t\t\tline-height: 1.6;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-links {\n\t\t\tdisplay: flex;\n\t\t\tgap: 20px;\n\t\t\tflex-wrap: wrap;\n\t\t\talign-items: stretch;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-link-column {\n\t\t\tflex: 1;\n\t\t\tmin-width: 140px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-links {\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-link-column {\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-badge {\n\t\t\tmargin: 0 !important;\n\t\t\tpadding: 0;\n\t\t\tdisplay: block;\n\t\t\twidth: 100%;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-badge a,\n\t\t.vendor-directory-fields .vendor-app-badge-link {\n\t\t\tdisplay: block;\n\t\t\twidth: 100%;\n\t\t\tmargin: 0;\n\t\t}\n\t\t.vendor-directory-fields .vendor-app-badge img,\n\t\t.vendor-directory-fields .vendor-app-badge-image {\n\t\t\twidth: 100% !important;\n\t\t\tmax-width: 100% !important;\n\t\t\theight: auto !important;\n\t\t\tdisplay: block;\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields figure.vendor-app-badge {\n\t\t\twidth: 100%;\n\t\t\tmargin: 0 !important;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field-label {\n\t\t\tmargin: 0 0 8px 0;\n\t\t\tfont-size: 1.25em;\n\t\t\tfont-weight: 600;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field {\n\t\t\tmargin-bottom: 12px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field strong {\n\t\t\tdisplay: block;\n\t\t\tmargin-bottom: 4px;\n\t\t}\n\t\t.vendor-directory-fields .vendor-contact-field-content {\n\t\t\tline-height: 1.5;\n\t\t}\n\t<\/style><div class=\"vendor-directory-fields\" data-vendor-id=\"628\" data-field-group=\"vendor_contact\"><div class=\"vendor-contact-content\"><div class=\"vendor-contact-fields\"><div class=\"vendor-contact-field vendor-contact-field--vendor_contact_info\"><h3 class=\"vendor-contact-field-label\">Contact<\/h3><div class=\"vendor-contact-field-content\"><p>Gradifi<span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">844.472.3434\u00a0(U.S.)\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00a0<\/span><a href=\"https:\/\/www.gradifi.com\/refi\/aecom\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Website<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<p><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reduce and manage your student loan debt with Gradifi \u2014&nbsp;our college financial planning, student loan refinancing and counseling service.&nbsp; All employees, their spouses\/domestic partners and other adult family members can access this benefit at any time. Overview How it Works Cost There is no cost to you to use any of the Gradifi services. However, [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/page-blank-container.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-617","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/pages\/617","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/comments?post=617"}],"version-history":[{"count":15,"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/pages\/617\/revisions"}],"predecessor-version":[{"id":2105,"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/pages\/617\/revisions\/2105"}],"wp:attachment":[{"href":"https:\/\/benefits.aecom.com\/us\/wp-json\/wp\/v2\/media?parent=617"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}