What is available free?
- StudentAid.gov program information and applications
- Official federal calculators and account tools
- Federal loan-servicer assistance
- Designated nonprofit and consumer resources
- FedRepay public guides and free fit assessment
What does paid guidance add?
- Individualized review of the agreed information
- Plain-English comparison of relevant tradeoffs
- Written recommendations and defined deliverables
- Application-preparation and document-review support when included
- A stated support period and referral when another resource is more appropriate
How should you choose?
If you understand the available path and feel comfortable acting independently, use the free official process. Paid guidance may be useful when several facts interact, records are unclear, or you want written decision support and organized follow-through.
The boundary
Paying FedRepay does not purchase eligibility, a lower payment, approval, correction, discharge, or forgiveness. Those decisions remain with the applicable program or authorized decision-maker.
Independence statement
FedRepay is a private company, not the U.S. Department of Education or a federal loan servicer. Federal applications and servicer assistance remain available free.