Federal Repayment Programs Exist.The Paperwork Is What Stops People.
Income-driven repayment, consolidation, annual recertification, PSLF employment certification — each one is a different form, a different proof of income, a different deadline. We assemble the file, submit it, and stay on your servicer until it posts.
Free to check. You can also file yourself, at no cost, at StudentAid.gov.
How your file moves
~5 minutes- 01Answer four questionsLoan balance, servicer status, employer, and your goal
- 02See the programs you matchWhich federal repayment tracks your file lines up with
- 03We build and file the packetForms, income documents, servicer follow-through
The honest problem
The relief is federal. The friction is clerical.
A missed recertification date can reset a payment overnight. An unsigned employer form can erase months of qualifying credit. A consolidation filed in the wrong order can undo years already banked. Borrowers rarely lose these programs on eligibility — they lose them on paperwork nobody explained.
How it works
Three steps, then it's off your desk
You spend a few minutes answering questions. We spend the hours on forms, income documentation, and servicer follow-up.
Four questions, no documents yet
Balance range, servicer status, employer type, and the outcome you want. Nothing to upload and nothing owed to look.
A written program summary
We map your answers to the federal tracks you appear to qualify for — IDR, consolidation, PSLF certification — with the trade-offs of each spelled out.
The packet, prepared and filed
We complete the forms, attach the income proof, submit to your servicer, confirm receipt, and calendar the next recertification before it sneaks up.
Programs we prepare for
Federal Programs, Filed the Way Servicers Want Them
These are federal programs, free to apply for on your own. What you're paying us for is the preparation, the filing, and the follow-through.
Income-driven repayment
SAVE, IBR, PAYE, ICR — we prepare the application with the income documentation your servicer will actually accept, and file the annual recertification on time, every year.
Consolidation, in the right order
A Direct Consolidation Loan can unlock programs your current loans lock you out of — or wipe out credit you've already earned. We sequence it so it helps instead of hurts.
PSLF certification, tracked
Employment certification forms prepared, signatures chased, and qualifying payment counts checked against your servicer's record so discrepancies get disputed early.
One flat fee, quoted before we start
No percentage of your balance, no surprise renewal charge, no payment ever routed through us. Your monthly payments always go straight to your federal servicer — our fee covers document preparation and filing only.
- A named preparer who knows your file
- Recertification dates tracked before they lapse
- Servicer correspondence read and answered for you
In every engagement
From first form to posted plan
- Loan and servicer reviewIncluded
- Program eligibility summaryIncluded
- Forms prepared & submittedIncluded
- Annual recertification remindersIncluded
Borrower stories
Filed, posted, off their minds
“I'd started the income-driven application twice and abandoned it twice. They asked for four documents, filed it, and told me the exact date my new payment would post. It posted.”
“They were upfront that I could do this free on StudentAid.gov. I told them I'd rather not, and they handled the consolidation order so I didn't lose the payments I'd already made.”
“My recertification deadline is the thing I would have blown. They emailed me a month out with the forms already filled in. That reminder alone paid for the fee.”
We filed for you? Say so publicly.
An honest Google review helps the next borrower tell real help from a robocall.
Talk to us
Find out which federal programs your file fits
Four questions, no documents, no charge to look. You'll get a written summary of the repayment tracks your loans appear eligible for — and a straight answer on whether you even need us.
Customer support and information line: (800) 324-0705. Federal programs are also free to apply for yourself at StudentAid.gov.