Lower your student loan payment. Find your path to forgiveness.
We pull your full federal loan record, model every repayment plan you qualify for, and handle the paperwork — so you stop guessing and start paying down on terms that fit your life.
Exactly what's included
No upsells, no surprise add-ons. Here's the work, line by line.
- A full review of your federal loans across every servicer
- A side-by-side comparison of every IDR plan you qualify for
- PSLF employment certification and progress audit
- Borrower's Defense or Disability Discharge filing if you qualify
- Annual re-certification handled on your behalf
- A direct line to your strategist — no call-center queues
Three people we help most often
If one of these sounds like you, the consultation will be useful even if you don't end up working with us.
Teachers, nurses, and public-service workers
If you've worked at a nonprofit, school, or government job for any length of time, you may be closer to PSLF forgiveness than you think.
High-balance grad-school borrowers
If your balance is six figures and your payment feels impossible, the right IDR plan plus loan-design strategy often cuts the monthly number by hundreds.
Borrowers who were misled or whose school closed
If your school misrepresented job placement, accreditation, or transferability, you may qualify for full discharge through Borrower's Defense.
Three steps from call to clarity
- STEP 01
Pull the full picture
On your free call, we collect the basics, then we pull your NSLDS record to see every federal loan and servicer. No guessing.
- STEP 02
Match you to the right program
We compare every IDR plan, PSLF eligibility, and discharge program you might qualify for, then explain the tradeoffs in plain English.
- STEP 03
File the paperwork and track it
We complete the forms, submit them, and follow up with servicers. You get yearly re-certification handled and a strategist you can actually reach.
Questions we get on every call
If your question isn't here, bring it to the consultation. We'd rather answer it once for you than have you guess.
The federal student loan rulebook, explained.
Short, plain-English explainers for every plan, program, and term you’ll encounter. No jargon, no sales pitch.
Public Service Loan Forgiveness (PSLF)
Federal program that forgives the remaining balance on Direct Loans after 120 qualifying monthly payments while working full-time for a qualifying public-service employer.
ReadSAVE Plan (Saving on a Valuable Education)
The newest income-driven repayment plan, with the most generous formula for many undergraduate-only borrowers — but currently subject to ongoing federal litigation.
ReadPAYE Plan (Pay As You Earn)
An income-driven plan that caps payments at 10% of discretionary income — and at the Standard 10-year payment. Forgives the balance after 20 years.
ReadIBR Plan (Income-Based Repayment)
The longest-standing income-driven repayment plan. 10% of discretionary income for newer borrowers, 15% for older borrowers, with 20- or 25-year forgiveness.
ReadBorrower's Defense to Repayment
Federal program that can discharge your entire federal loan balance — and refund payments you've already made — if your school misled you about something material.
ReadNSLDS (National Student Loan Data System)
The federal government's central database of all federal student aid disbursements. The single source of truth for what you owe, to whom.
ReadReady for a real student loan plan?
Book a free 30-minute consultation. No pressure, no obligation, no surprise charges.