ABOUT FEDREPAY
Student loan guidance should make a complicated decision easier to understand and easier to act on. Robert Garcia founded FedRepay in 2015 after seeing the same problem repeat itself: borrowers could spend hours calling servicers and reading federal information yet still feel unsure about what applied to their own loans. FedRepay was created to close that gap with plain-English comparisons, transparent flat pricing, written next steps, and respect for borrower control. The goal is not to sell every visitor a service. It is to help each person find the right next step.
FedRepay is an independent student loan guidance company for everyday federal borrowers who want to understand their choices before they act.$0. Takes 3–5 minutes. No phone call. No credit card.VERIFIABLE OPERATING FACTS / 2015—2026
2015
Robert Garcia
Federal student loans
Online and appointment-based
$0 and approximately 3–5 minutes
Published flat fees from $149 to $495; complex cases from $695
FedRepay never asks for an FSA password
The borrower reviews, controls, and submits
Recommended when paid guidance is not needed
WHY WAS FEDREPAY STARTED?
A borrower can call a servicer, read StudentAid.gov, compare multiple repayment-plan descriptions, and still be left asking the same question: “What does this mean for me?”
That uncertainty is understandable. Federal repayment decisions can depend on loan type, borrowing date, consolidation history, income, dependents, marital status, employment, forgiveness goals, and deadlines. A useful answer requires more than naming the plan with the lowest estimated payment.
Robert Garcia founded FedRepay in 2015 around a simple conviction: borrowers should not have to become student loan experts to make a responsible choice.
The company was built to bridge the space between broad information and a clear personal action plan. That means slowing the decision down, organizing the relevant facts, comparing legitimate paths, explaining the tradeoffs, and putting the next steps in writing.
Borrowers were receiving pieces of information from different places without always receiving a complete decision framework. One source explained eligibility. Another provided an estimate. A servicer representative answered the immediate question. None necessarily connected the borrower’s full situation to a long-term plan.
The result was often more research, another phone call, and continued uncertainty.
FedRepay would not compete by pretending to control federal programs. It would provide something different:
FedRepay reviews federal loan information, repayment history, income and household factors, employment, current plan, relevant deadlines, and the borrower’s stated goal. The selected service determines how far that review goes.
A Strategy Session may end with a written recommendation and estimated scenarios. The Complete FedRepay Plan adds the personalized FedRepay Roadmap™, application guidance, document review within scope, a submission checklist, a deadline calendar, and 60 days of support.
The borrower remains in control throughout the process. FedRepay does not request an FSA password, impersonate the borrower, or promise that a federal agency or servicer will approve a particular outcome.
See how FedRepay helpsMEET ROBERT GARCIA, FOUNDER
Robert Garcia founded FedRepay in 2015 and leads its borrower guidance, repayment-plan education, recertification support, and decision-preparation process.
His work centers on a practical question: how can a borrower understand the available federal paths well enough to make a careful decision and follow through?
Robert’s connection to the problem comes from years of seeing the same frustration repeat itself. Borrowers often receive information, but not always the context, organization, or confidence needed to use it. That experience shaped a company built around patience, written explanations, honest tradeoffs, and respect for the borrower’s control over the account.
Robert begins with the borrower’s current facts rather than a preferred product. The purpose of the Free Online Fit Assessment is to identify the most appropriate next step before anyone schedules or pays.
That recommendation may be a FedRepay service. It may also be StudentAid.gov, the borrower’s servicer, The Institute of Student Loan Advisors, a consumer-protection resource, an attorney, a tax professional, or another appropriate source.
Robert believes a responsible recommendation should explain not only what may fit, but also why an alternative may not fit. Monthly affordability matters, but so do long-term repayment, interest, forgiveness requirements, recordkeeping, recertification, and implementation risk.
VISIBLE STANDARDS / NOT SLOGANS
A plan name is not a strategy. FedRepay explains why an option may fit, what assumptions support it, which alternatives were considered, and what could change the recommendation.
A lower estimated payment may extend repayment or change the amount paid over time. Forgiveness may depend on eligible loans, employment, repayment activity, records, and future compliance. Consolidation may solve one eligibility problem while creating another consideration.
FedRepay presents those tradeoffs instead of treating a single favorable number as the complete answer.
Memory is not a reliable implementation system. Depending on the service, borrowers receive a Strategy Summary, written recommendation, estimated scenarios, checklist, deadline calendar, or personalized FedRepay Roadmap™.
The written deliverable is designed to help the borrower understand the decision after the meeting ends.
The borrower owns the account, reviews the information, makes the decision, attests to its accuracy, and submits through StudentAid.gov or another official channel.
FedRepay does not ask for an FSA password. Guidance and document review do not require giving a private company control of a federal account.
FedRepay’s standard services have published flat prices:
Additional paid work requires a separate explanation, scope, and agreement.
Federal applications, official calculators, servicer assistance, and many nonprofit resources are available free. A borrower who understands the path and is comfortable completing it independently may not need FedRepay.
The assessment can recommend a free resource instead of a paid service.
No private guidance company controls federal eligibility, payment calculations, servicer processing, approval, discharge, or forgiveness. FedRepay can improve understanding, preparation, organization, and decision quality. It cannot guarantee the decision of an authorized federal program or servicer.
FEDERAL-ONLY / BORROWER-CONTROLLED
FedRepay focuses on federal student loans and the decisions surrounding repayment plans, PSLF, Parent PLUS loans, consolidation, recertification, records, and servicer issues.
It does not recommend private refinancing, sell a private loan, or receive a lender referral fee.
Several established competitors emphasize physicians, dentists, or borrowers with very high balances. FedRepay is designed for everyday federal borrowers whose questions are important even when their income or loan balance is not unusually large.
The first step is a $0 online assessment that takes approximately 3–5 minutes. It is completed online, not through a sales call, and does not require a credit card.
The purpose is to determine the appropriate path before a person schedules or purchases.
The Complete FedRepay Plan includes a personalized FedRepay Roadmap™ organized around:
The goal is to leave the borrower with a decision framework and implementation guide that can be used after the meeting.
FedRepay may explain which official application applies, how the relevant sections work, which supporting documents may be needed, and what common mistakes to check. Within the purchased scope, it may review borrower-completed paperwork for completeness and consistency before submission.
The borrower still controls the account and submits.
The Strategy Session includes 14 days of email questions. Annual IDR Recertification includes 14 days of support. The Complete Plan includes 60 days of support.
These support periods are published so the borrower knows what follows the initial meeting or written review.
Federal repayment is not always a one-time decision. Income, family information, employment, plan availability, and program rules can change.
FedRepay offers a separate $149 Annual IDR Recertification service to review the current plan, updated information, deadline, completed recertification, and whether another available option may now fit better.
FedRepay does not use countdown timers, fake government notices, “limited enrollment” warnings, or pressure to act before a nonexistent deadline.
When a real federal deadline matters, FedRepay identifies the source and date.
FedRepay does not guarantee a lower payment, approval, forgiveness, discharge, savings, processing speed, or correction. Estimates must identify their assumptions and remain clearly labeled as estimates.
MORE THAN A DECADE OF FOCUS
FedRepay by the numbers
Year FedRepay was founded
Cost of the Free Online Fit Assessment
Estimated time to complete the assessment
Defined service paths, including the free assessment
Annual IDR Recertification price
Student Loan Strategy Session price
Complete FedRepay Plan price
Starting point for a written complex-case scope
Follow-up for the Strategy Session and Annual Recertification
Follow-up included with the Complete Plan
Structure of the FedRepay Roadmap™
FSA passwords requested by FedRepay
Availability of the website and online intake
These numbers describe the company’s service model. They are not borrower results, and individual circumstances vary.
FedRepay publishes documented facts and does not substitute manufactured social proof for verifiable information.
The online assessment provides an immediate automated recommendation. For a separately submitted direct question, Robert Garcia or an approved FedRepay representative responds the same business day when the message arrives by 3:00 p.m. Arizona time. Later inquiries receive a response by the next business day.
WHERE IS FEDREPAY HEADED?
The vision is not to replace StudentAid.gov, federal loan servicers, nonprofit assistance, attorneys, tax professionals, or other qualified resources. It is to make the space between information and action easier to navigate.
FedRepay’s Resource Center is organized around the questions borrowers actually ask:
Time-sensitive guides identify the official sources used, display a last-reviewed date, and explain what the borrower needs to verify.
Depending on the selected scope, FedRepay’s written deliverables may include:
These resources help borrowers stay organized without requesting unnecessary sensitive information.
FedRepay wants independent student loan guidance to feel:
The long-term measure of the brand is whether a borrower can explain the choice, understand the tradeoffs, and know the next action.
READY TO SEE IF FEDREPAY FITS?
You will answer a short set of questions about your federal loans, current servicer, estimated balance, current payment, household, employment, and main goal.
Contact option: Call or text 602-377-6626
Email: FedRepay@gmail.com
Availability: Website and online intake available 24/7. Live appointments follow the booking calendar.
Independence statement: FedRepay is an independent student loan guidance company. It is not affiliated with or endorsed by the U.S. Department of Education, Federal Student Aid, or any federal loan servicer.
Scope statement: FedRepay provides education, analysis, preparation support, and document review within the agreed scope. It does not provide legal, tax, investment, or comprehensive financial-planning advice.
