In about 20 minutes, you might qualify for lower payments, forgiveness or even cancellation. The analysis is free, and no credit card is needed. On average, users saved 50% per month. So what are you waiting for?
Student loan rules are complex and confusing. It’s easy to miss out on the best program if you don’t research dozens of factors. And with what seems like a new program being announced every month, you’re left thinking, What’s right for me?
THE SOLUTION
Our Student Debt Solutions tool quickly provides a free comprehensive, in-depth analysis of your student debt – and gives you a list of all eligible plans. Then we help simplify your options by recommending the best plan for your financial goals and situation.
THE TOOLS
We’ve been debt experts for the past decade. We can help make your plan a reality with quick and easy access to the right tools — including a student loan counselor.
Our platform provides a FREE comprehensive analysis of your entire student loan debt, both public and private. Then we list all available plans for your situation and go beyond by analyzing:
Available forgiveness and cancellation programs
Parent Plus loans, which are overlooked by most platforms
Loans in default and/or facing garnishment or collections
The best program based on your financial goals and situation
If you don’t look at all the details, you may face a costly error down the road. Get peace of mind today with a free analysis. No credit card required.
Our online tool analyzes your data against the available programs and recommends the BEST solution based on your goals for FREE. There is no cost to see how much you will save or what program is the right fit.
Since student loan repayments restarted in October 2023, our platform has helped thousands find a solution to eliminate all or some of their debt burden.
“While searching for ways to reduce my student loan debt, I discovered a quick and user-friendly solution. It streamlined all the necessary information, saving me considerable time and stress. This tool provided multiple budget-friendly options, highlighting that making minimum payments isn’t necessarily the most cost-effective choice. By the time my loans are paid off I will have saved 10 years of payments and almost 26 thousand dollars in interest!”
Tyler. Ft. Lauderdale, Florida
How to Spot Student Loan Scammers
Scammers often sound official. These red flags can help you avoid getting tricked.
Don’t rely on government seals or logos.
Don’t buy promises of special access.
Never pay an upfront fee.
Never share your FSA ID.
How Student Debt Solutions Works
Create a FREE Online Account
Start by giving us some basic information. No credit card required.
Enter Your Financial Data and Goals
Enter your income, tax filing status and family size. We’ll ask about your repayment goals and take that into account when recommending the right path.
Upload Your Student Loan File
All your federal loan data is organized in one file (NSLDS) providing important information for each loan. If you don’t have this file, we can help you get it.
Complete the Questionaire
Using the data you provided, our system is specifically designed to quicky and comprehensively grasp your financial situation.
See Your Personalized Student Loan Analysis
Get a complete list of all your eligible plans and the one we recommend, based on your answers during the questionnaire. Access a description of each plan or program, monthly payment, total repayment, and potential savings.
Choose Your Solution
Review your options and select the best plan that fits your desired financial goals. We’ll let you know if it’s crucial to act soon due to a looming deadline!
Take Action
We can give you all the tools and forms to prepare, sign and submit your new Action Plan.
Student Loan Expertise
We Provide:
✓ 360° Analysis of your Student Debt
We offer you a FREE, comprehensive analysis of all available solutions for your loans.
✓ Unbiased Third-Party Advice
We are your advocate, evaluating all available programs based on your financial goals.
✓ Transparency
We offer clear, detailed recommendations to help you understand your options.
✓ Tools & Support
We can help make your plan a reality with access to the forms or even a counselor.
✓ A Decade of Industry Experience
Our team is knowledgeable and dedicated. We closely follow the ever-changing rules.
We Are Not:
✕ Department of Education
We are not a government entity and do not administer or coordinate educational loans.
✕ Financial Institution or Private Lender
We are not a bank or credit union and do not offer financial products or refinancing.
✕ Student Loan Servicer
We do not manage loan accounts or collect payments on your student debt.
✕ Credit Repair Company
We do not manage other aspects of your debt or provide claims to improve your credit.
✕ Debt Collection or Consolidation Agency
We do not engage in debt collection, settlement or originate consolidation loans.
Frequently Asked Questions
What do I need to get started?
Your most recent household tax return(s) and your student loan data. If you have federal loans, you can download this information from National Student Loan Data System. If you have private loans, a recent monthly statement should have everything you need.
How long will the process take?
If you have everything that you need, an average session from start to finish takes about five minutes. Most questionnaires end up being about 20 questions.
How do I get my Student Debt Solutions Action Plan?
Once you complete the questionnaire, your action plan is immediately downloadable as a PDF file. We will also email you a copy as a backup.
How confident are you that you can find a solution for me?
We are 100% confident that we can find some type of solution for your situation. We can address various monthly payments you are eligible for or even find a solution such as cancellation or forgiveness. We are positive that you will walk away feeling more confident about your student loan debt and financial situation.
Why should I choose you over other Student Debt Relief Solutions?
We know there are a lot of options out there, and not all of them are respectable. We’re a group of experienced, passionate people that want to help you tackle your student loan debt. We know it’s complex, and we’ve spent years working on a self-service solution that’s affordable and accessible. We also know some of those other companies (including studentaid.gov) don’t take into account every option and look at your whole financial picture. Our easy-to-use platform gives you confidence that you’re making the right decisions.
How do I know you have my best interest in mind?
We’re not a bank, debt consolidator, collection agency, loan servicer, private lender or refinance company. We don’t sell your data. We’re here to help you identify your options so that you can have a debt-free future.
Why should I choose you over the Department of Education or my loan servicer?
It’s true that you can find information about federal programs and payment plans readily available online or by contacting the Department of Education. The hard part is independently sifting through information for the plan/program or combinations of plan/program(s) that match the correct loan types/income/occupation requirements to find the ones you are eligible for and then following through to completion.
You can also contact your servicer, but keep in mind that the servicer’s primary function is as a servicer/creditor. Typically, servicers provide some scope of assistance related to the available payment plans – an overview of what each plan would cost. The servicer also has no visibility to your NSLDS file so their insight into your loan scenario is limited to the current loan they are managing. They cannot determine loan history or consider any repayment or statuses prior to the loan coming under their oversight. Although servicers should be expected to provide quality guidance, they often fall short. This is proven by numerous lawsuits and the recent reports provided by the Center for Financial Protection Bureau (CFPB).
Will you help me with my private loans?
We offer the only online platform that will truly give a borrower a complete picture of the repayment of their student loans. We provide an analysis of your entire student loan debt. When recommending the right plan, we evaluate both government (public) and private loans.