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FREE ONLINE FIT ASSESSMENT
Free Student Loan Assessment With an Immediate Next Step
A free student loan assessment should help you decide where to begin without forcing you into a sales call. Answer a short series of low-sensitivity questions about your federal loans, household, employment, current payment, and main goal. In approximately 3–5 minutes, FedRepay will show an immediate service-fit or free-resource recommendation. You will see why the path may fit, what it costs when a paid service is recommended, and what happens next. This is not a repayment-plan determination, eligibility decision, payment calculation, or forgiveness guarantee.
$0. No credit card. No required phone number. Immediate result.01No required call02No credit card03No document upload04Immediate result
ASSESSMENT FACTS / BEFORE YOU START
Quick facts
Know exactly what the assessment does—and what it never asks for—before answering anything.Approximately 3–5 minutes
Self-guided online questions
Immediate service-fit or free-resource recommendation
None required
None required
Not requested
Optional after the result
Not requested
Never requested
WHAT WILL THE ASSESSMENT TELL YOU?
What Will the Assessment Tell You?
The assessment identifies the level and type of support that appears to fit your answers, not the federal repayment plan you are officially eligible to receive.Your result may recommend:
- Free information or an official StudentAid.gov tool
- Student Loan Strategy Session for $295
- Complete FedRepay Plan for $495
- Annual IDR Recertification for $149
- Complex Case Planning starting at $695
- A nonprofit, attorney, tax professional, consumer-protection resource, or another specialist outside FedRepay’s scope
- Why the path may fit
- What information triggered the recommendation
- The exact published price when a standard paid service is recommended
- What is included
- What is not included
- What to do next
- Which official or free source may also help
- Calculate an official monthly payment
- Determine federal eligibility
- Confirm PSLF employment or qualifying payments
- Approve consolidation, repayment, discharge, or forgiveness
- Review documents
- Replace StudentAid.gov or the loan servicer
- Create a client relationship
- Provide legal, tax, investment, or comprehensive financial-planning advice
BEFORE YOU BEGIN / LOW-SENSITIVITY ONLY
Before You Begin
You only need broad estimates and basic facts to complete this service-fit assessment.- Whether the loans are federal, private, or both
- Current federal loan servicer
- General loan types, if known
- Estimated federal balance range
- Current payment range
- Current repayment plan, if known
- Household income range
- Marital status and number of dependents
- Employer type
- Main goal
- Any known deadline or recent notice
- FSA ID username or password
- Social Security number
- Date of birth
- Bank or card information
- Exact account number
- Full tax return
- Pay stub
- StudentAid.gov data export
- Servicer statement
- PSLF form
- Any uploaded document
Do not type sensitive personal information into an open-text answer. FedRepay and legitimate federal loan servicers will not need your FSA password to provide guidance.
Choose “I’m not sure” when you do not know an answer. Guessing at a loan type, plan, status, or deadline can create the wrong service-fit result.
FedRepay focuses on federal student loans. Private-only loans, active litigation, bankruptcy, involuntary collection, identity theft, certain discharge claims, and individualized tax or legal questions may require a different resource.
TRANSPARENT PRIORITY ORDER
How Does FedRepay Choose a Recommendation?
FedRepay applies a transparent priority order based on scope, complexity, timing, and the type of support requested.The assessment is a deterministic service-fit tool. It does not use hidden sales scoring, loan balance, income, or a visitor’s perceived ability to pay as the sole reason for recommending a more expensive service.
- Safety, legal, tax, or out-of-scope specialist referral
- State or jurisdiction service-availability restriction
- Complex Case Planning
- Annual IDR Recertification
- Complete FedRepay Plan
- Student Loan Strategy Session
- Free official or nonprofit resources
COMMON QUESTIONS / FREE ASSESSMENT
Common Questions About the Free Assessment
These answers explain what the assessment does, what it collects, and what happens after the result.
01Is the assessment really free?
Yes. The assessment costs $0, does not require a credit card, and displays the service-fit or free-resource result immediately.
02Do I have to schedule a phone call?
No. The assessment is self-guided and does not require a call or human review. A paid service may include a scheduled meeting after the scope, agreement, and payment timing are presented and accepted.
03Do I have to provide an email address or phone number?
No. The assessment displays the complete result on screen without collecting an email address or phone number.
04Is this a free consultation?
No. It is a 3–5 minute automated service-fit assessment. It does not provide personalized repayment analysis, official payment calculations, document review, or a meeting with an advisor.
05Will this tell me which repayment plan to choose?
No. It may identify the type of guidance that appears to fit, but it does not determine federal eligibility or recommend an official plan based on a complete analysis.
06Why do you ask about income and household information?
Broad ranges help identify whether household and repayment variables may require review. FedRepay does not use those answers to calculate an official payment or decide how much to charge.
07Why do you ask for my state?
State laws can affect whether and how a private company may offer or charge for student loan assistance. The assessment asks only for the state or jurisdiction needed for service-availability screening.
08Will FedRepay ask for my FSA password?
No. FedRepay does not ask for or use your FSA password. Federal Student Aid warns borrowers not to share their StudentAid.gov username and password.
09What if I only have private student loans?
FedRepay’s paid services focus on federal loans. The assessment should direct a private-only borrower to an appropriate free or specialist resource instead of selling a federal-loan service.
10What if I do not know my loan type or repayment plan?
Choose “I’m not sure.” The result may show how to locate the information before recommending a paid service.
11Can the assessment guarantee a lower payment or forgiveness?
No. No assessment or private guidance company can guarantee a federal payment, approval, discharge, or forgiveness outcome.
12What happens if the result recommends a paid service?
You will see the exact standard price, included deliverables, limitations, and free alternative. You may review the service before deciding whether to continue.
13What happens if free help is enough?
The result will link to the most relevant official or nonprofit resource. FedRepay treats a free-resource recommendation as a successful outcome.
14Is my assessment saved?
By default, answers remain only in this browser while the active assessment is open. They are placed in temporary session storage only if you expressly choose Save and Exit. No answer is sent to FedRepay to generate the on-screen result.
READY TO FIND YOUR STARTING POINT?
Ready to Find Your Starting Point?
Complete the assessment and see your result before deciding whether to schedule or purchase anything.$0. Approximately 3–5 minutes. Immediate result.Privacy reminder: Never enter an FSA password, Social Security number, bank information, tax return, or account credential.
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.