What Is FedRepay?
FEDREPAY / DISCLOSURES
FedRepay is an independent, privately operated student loan guidance company focused on federal student loan decisions.
Robert Garcia founded FedRepay in 2015. The company provides education, individualized analysis, written planning, preparation support, document review within the purchased scope, and organization for federal student loan borrowers.
FedRepay is not:
- The U.S. Department of Education
- Federal Student Aid
- A federal, state, local, or tribal government agency
- A federal student loan servicer
- A lender or refinancing company
- A guaranty agency
- A loan holder or debt collector
- A forgiveness, discharge, or repayment program
- A law firm
- A tax-preparation firm
- An investment adviser or comprehensive financial-planning firm
- A credit repair organization
No government affiliation or endorsement
FedRepay is not affiliated with, sponsored by, approved by, contracted by, or endorsed by the U.S. Department of Education, Federal Student Aid, any loan servicer, or any other government entity.
The use of federal program names, agency names, servicer names, or links is for identification, education, and source attribution. It does not indicate affiliation, authorization, partnership, or endorsement.
No special program access
FedRepay does not control, own, administer, negotiate, or provide special access to a federal repayment, consolidation, forgiveness, discharge, deferment, forbearance, rehabilitation, or public-service program.
No private company can create federal eligibility or override the rules of an authorized program.
Federal loans are the core scope
FedRepay’s services focus on federal student loans. When a household has both federal and private loans, FedRepay may identify or organize the private loans only to understand the federal strategy.
Private-loan refinancing, settlement, contract interpretation, lender disputes, collection defense, and legal advice remain outside FedRepay’s core scope.
Online service model
FedRepay is an online, appointment-based business based in Phoenix, Arizona. It does not accept public walk-in visits.
Service availability depends on the borrower’s location, the selected service, the acquisition and communication method, and applicable legal and compliance requirements.
Learn more: About FedRepay and founder Robert Garcia
What Help Is Available Free?
FEDREPAY / DISCLOSURES
Federal student loan information, official applications, repayment tools, and servicer assistance are available without paying FedRepay.
You do not have to hire a private company to:
- View federal loan information at StudentAid.gov
- Use the federal Repayment Calculator
- Apply for an available federal repayment plan
- Submit an income-driven repayment request or annual update
- Apply for federal loan consolidation
- Use the PSLF Help Tool
- Submit a Public Service Loan Forgiveness form
- Contact a federal student loan servicer
- File feedback or a complaint with Federal Student Aid
- Review federal forgiveness, cancellation, discharge, delinquency, or default information
The availability of a free official process does not mean every borrower needs paid guidance. It means paid assistance must be clearly separated from the federal program itself.
Free official resources
- Federal Student Aid
- Federal repayment plans
- Federal Repayment Calculator
- Income-driven repayment information
- Public Service Loan Forgiveness
- PSLF Help Tool
- Federal loan consolidation
- Federal loan servicers
- Federal Student Aid Feedback Center
- Federal student loan default information
- Forgiveness, cancellation, and discharge information
Free nonprofit and consumer resources
- The Institute of Student Loan Advisors
- Consumer Financial Protection Bureau student loan resources
- Federal Trade Commission student loan scam guidance
When free help may be enough
Free help may be the right starting point when:
- You already know which official action you want to take
- You understand the eligibility and tradeoffs
- You are comfortable using StudentAid.gov independently
- Your servicer can resolve the question
- You only need an official application, form, calculator, or status update
- A nonprofit or government complaint channel fits the issue
- A paid analysis is unlikely to add enough value
FedRepay’s Free Online Fit Assessment is designed to recommend a free resource when paid help does not appear necessary.
Compare the paths: Free federal help versus paid guidance
What Do FedRepay Fees Cover?
FEDREPAY / DISCLOSURES
FedRepay fees pay for the defined private guidance service and its deliverables, not for access to a federal program or application.
Depending on the service, a fee may cover:
- Review of federal loan information provided by the borrower
- Review of current repayment status and stated goals
- Comparison of relevant repayment paths
- Estimated payment or long-term scenarios
- Explanation of assumptions, advantages, disadvantages, and uncertainties
- Written recommendation
- FedRepay Strategy Summary
- Personalized FedRepay Roadmap™
- Application guidance within the agreed scope
- Document and submission review within the agreed scope
- Required-document checklist
- Submission checklist
- Deadline calendar
- Servicer-correspondence review
- Follow-up questions during the published support period
- Additional research and meetings for a written complex-case scope
Published service prices
| Service | Price | Primary Purpose |
|---|---|---|
| Free Online Fit Assessment | $0 | Immediate service-fit or free-resource recommendation |
| Annual IDR Recertification | $149 | Review and preparation for an annual income-driven repayment update |
| Student Loan Strategy Session | $295 | Individualized advice and written recommendation |
| Complete FedRepay Plan | $495 | Analysis plus Roadmap™, application guidance, document review, and 60 days of support |
| Complex Case Planning | Starting at $695 | Written scope for unusual records, borrowers, servicers, or loan histories |
What fees do not purchase
A FedRepay fee does not purchase:
- Access to StudentAid.gov
- Enrollment in a federal program
- A federal application or form
- Preferential government treatment
- Faster agency or servicer processing
- Government approval
- Eligibility
- A specific monthly payment
- Discharge or forgiveness
- Representation before a court, agency, creditor, or servicer
- Control of the borrower’s federal account
Flat-fee model
FedRepay’s standard services use published flat fees. Complex Case Planning begins with a written scope and exact price before additional work begins.
FedRepay does not charge:
- A percentage of the federal loan balance
- A percentage of projected savings
- A percentage of discharge or forgiveness
- A success fee
- An undisclosed recurring fee
- An automatic annual renewal
Payment-timing notice
Payment is not currently collected through this website. Before any paid engagement begins, FedRepay provides the applicable scope, price, agreement, disclosures, cancellation terms, and payment timing for review.
The description of a price does not mean FedRepay may legally collect that amount before services or required milestones occur in every situation.
Review the complete scope: FedRepay pricing and service comparison
What Can FedRepay Not Guarantee?
FEDREPAY / DISCLOSURES
FedRepay cannot guarantee a federal eligibility decision, payment, savings amount, processing time, correction, discharge, or forgiveness result.
Federal programs and authorized decision-makers control:
- Program eligibility
- Loan classification
- Official payment calculations
- Application approval
- Consolidation processing
- Employer or payment qualification
- PSLF payment counts
- Account corrections
- Servicer processing
- Default-resolution status
- Discharge and forgiveness decisions
- Program dates and implementation
No lower-payment guarantee
FedRepay may identify and compare legitimate options that could produce a more manageable payment based on the information and rules used in the analysis.
The official amount may differ. A lower payment is not guaranteed, and the lowest monthly payment is not always the strongest long-term choice.
No forgiveness guarantee
FedRepay may explain forgiveness requirements, review information, organize records, and estimate a potential timeline.
It cannot promise that employment, loans, repayment activity, documentation, payment counts, or future program rules will satisfy the applicable forgiveness requirements.
No savings guarantee
Payment, interest, total-repayment, payoff, and forgiveness comparisons depend on assumptions. Income, household facts, employment, loan status, program rules, interest, tax treatment, borrower decisions, and implementation can change.
Any scenario must be labeled as estimated, projected, or illustrative. Individual results vary.
No processing-time guarantee
FedRepay can state its own deliverable target after all required information is received. It cannot control the time required by:
- Federal Student Aid
- The U.S. Department of Education
- A loan servicer
- An employer
- A court
- A government agency
- A lender or creditor
- Another third party
No record-correction guarantee
FedRepay may help organize evidence, identify a discrepancy, prepare questions, review correspondence, or explain escalation resources. The applicable servicer, agency, bureau, creditor, employer, court, or authorized decision-maker controls the response and correction.
Program rules may change
Federal student loan laws, regulations, guidance, applications, litigation, court orders, administrative implementation, servicers, and systems can change.
Time-sensitive pages display a last-reviewed date and link to current official sources. A reviewed date does not guarantee that a later change has not occurred.
Illustrative examples
FedRepay presents examples using these standards:
- Be clearly labeled illustrative when it is not an actual documented case
- State the assumptions
- Avoid real identifying information
- Avoid implying that the same result will apply to another borrower
- Identify whether amounts are estimated, projected, historical, or actual
FedRepay does not publish client-result statistics, testimonials, savings totals, success rates, or forgiveness totals without documented support and approval.
How Do You Keep Control of Your Account?
FEDREPAY / DISCLOSURES
You retain control of your StudentAid.gov and servicer accounts, review your information, make the decision, and submit through the official channel.
FedRepay does not need your FSA ID password to provide guidance.
Never send FedRepay:
- StudentAid.gov password
- Servicer password
- Social Security number through an ordinary form, text, or email
- Bank password
- Full debit or credit card number outside an approved payment processor
- Authentication code
- Security-question answer
- Electronic-signature credential
No impersonation
FedRepay does not impersonate a borrower, sign as the borrower, provide false information, or use the borrower’s credentials to enter a federal or servicer account.
The borrower remains responsible for reviewing, attesting to, authorizing, and submitting information as required by the official process.
Preparation and review scope
When included in the purchased service, FedRepay may:
- Explain which official application appears relevant
- Explain how sections work
- Provide a document checklist
- Review borrower-completed information for completeness and consistency
- Identify an apparent omission or inconsistency
- Review the submission package
- Help the borrower prepare questions for a servicer or agency
FedRepay does not make an official eligibility decision or certify that an application is legally sufficient.
Document security
Do not advertise or activate secure document upload until the actual system, access controls, encryption, retention, deletion, incident-response, vendor, and privacy workflows have been implemented and tested.
Email and ordinary text messaging should not be used for FSA credentials or highly sensitive identity, tax, banking, or account information.
Data collection
FedRepay should collect only the information reasonably needed for the selected service, keep it only for the disclosed period, protect it appropriately, and provide the applicable access or deletion process.
The final Privacy Policy controls how information is collected, used, shared, retained, secured, and deleted.
ACCOUNT CONTROL / SECURITY BOUNDARYYour credentials stay yours.Never send an FSA ID password, servicer password, authentication code, or electronic-signature credential.
What Professional Services Does FedRepay Not Provide?
FEDREPAY / DISCLOSURES
FedRepay does not provide legal, tax, investment, comprehensive financial-planning, bankruptcy, collection-defense, or court-representation services.
Legal matters
FedRepay is not a law firm and does not provide legal advice, legal representation, litigation strategy, bankruptcy advice, collection defense, garnishment challenges, contract interpretation, appeals, or legal opinions.
Consult a qualified attorney for:
- Bankruptcy
- Active litigation
- Wage garnishment or collection defense
- Statute-of-limitations questions
- Contract interpretation
- Legal appeals
- Identity theft or fraud claims requiring legal action
- Borrower-defense or specialized discharge matters requiring legal analysis
- Rights under federal or state law
Tax matters
FedRepay may explain that income, marital status, family information, and tax filing status can interact with a federal repayment calculation.
FedRepay does not prepare tax returns or tell a borrower how to file. Consult a qualified tax professional for:
- Filing-status decisions
- Tax-return preparation
- Amended returns
- Individual tax consequences
- Forgiveness-related tax liability
- Business-income treatment
- State tax questions
Investment and financial planning
FedRepay does not provide investment recommendations, securities advice, portfolio management, insurance advice, retirement planning, estate planning, or comprehensive financial planning.
Private loans
FedRepay does not provide private-loan refinancing recommendations, lender placement, settlement, negotiation, legal review, or contract interpretation.
If private loans materially affect a federal-loan analysis, FedRepay may identify and organize those balances only within the written federal planning scope.
Credit repair and credit reporting
FedRepay does not promise to remove accurate information from a credit report, raise a credit score, furnish credit data, or provide credit-repair services.
A borrower with a credit-reporting dispute should use the appropriate servicer, credit bureau, Consumer Financial Protection Bureau, attorney, or qualified consumer resource.
Representation and authority
FedRepay does not represent a borrower before:
- A court
- A government agency
- A loan servicer
- A lender
- A creditor or collector
- A credit bureau
- An employer
- A tax authority
Any communication assistance remains educational and preparatory unless a different authority is expressly lawful, documented, and included in a reviewed written agreement.
Referral standard
When another resource is more appropriate, FedRepay may recommend:
- StudentAid.gov
- The borrower’s official federal loan servicer
- The Institute of Student Loan Advisors
- Federal Student Aid Feedback Center
- Consumer Financial Protection Bureau
- Federal Trade Commission
- A qualified attorney
- A qualified tax professional
- A nonprofit counselor
- Another appropriate specialist
A referral does not create an endorsement, partnership, agency relationship, or guarantee of the third party’s services.
Questions About These Disclosures?
FEDREPAY / DISCLOSURES
Contact FedRepay before using or purchasing a service if any part of the company’s identity, scope, pricing, account-control policy, or limitations is unclear.
Does reading the website create a client relationship?
No. Reading the website, using a free resource, or completing the Free Online Fit Assessment does not create a client relationship or individualized engagement.
A paid service begins only after the applicable service fit, availability review, agreement, disclosures, payment timing, and service-start process are presented and accepted. Payment is not currently collected through this website.
Is FedRepay a fiduciary?
FedRepay does not claim fiduciary status. Do not interpret education, analysis, or a recommendation as investment-adviser, attorney, tax-professional, or comprehensive financial-planner advice.
Is FedRepay certified or licensed?
FedRepay does not currently publish a certification, professional license, government approval, or membership claim.
Service registrations, licensing requirements, and availability must be reviewed by jurisdiction before marketing or serving borrowers there.
Does FedRepay receive lender commissions?
FedRepay does not recommend private refinancing and does not claim a lender-referral relationship. If any compensation, affiliate, referral, or financial relationship is added later, it must be conspicuously disclosed before the relevant recommendation or link.
Does FedRepay sell access to forgiveness?
No. Federal forgiveness programs and applications are not FedRepay products. FedRepay may charge for the defined private analysis, preparation, organization, document review, and support described in a purchased service.
Can FedRepay submit an application for me?
FedRepay may explain and review borrower-prepared information within the approved service scope. The borrower controls the account, confirms the information, and submits through the official channel.
The final workflow must follow the applicable law, federal process, and written agreement.
Does FedRepay guarantee that its information is always current?
No. FedRepay reviews time-sensitive content against current primary sources and displays a last-reviewed date. Federal rules, guidance, court actions, systems, and implementation can change after review.
Verify current requirements through the linked official source before acting.
What happens if a website statement conflicts with my service agreement?
The final, legally reviewed written service agreement controls the purchased scope, duties, limitations, fees, payment timing, and service terms, subject to applicable law.
No agreement may waive rights that cannot legally be waived.
Where can I review related policies?
- Free Help vs. Paid Guidance
- Privacy Policy
- Terms of Use
- Appointment, Cancellation, and Refund Policy
- Security Practices
- Accessibility Statement
- Contact FedRepay
Phone or text: 602-377-6626
Email: FedRepay@gmail.com
Response target: Direct inquiries received by 3:00 p.m. Arizona time receive a same-business-day response. Later inquiries receive a response by the next business day. This target must be revised if actual operations cannot consistently support it.