A Clear Process With You in Control
Know what happens before the meeting, what FedRepay reviews, what you receive, and what remains under your control.
$0. Takes 3–5 minutes. No phone call or credit card.Assessment
Recommendation
Review
Meeting
Written Plan
Submission
Support
The student loan assistance process should reduce uncertainty before you pay for anything. FedRepay begins with a free online assessment, recommends a paid service or free resource, and explains the scope before you proceed. If you choose a service, FedRepay reviews the relevant records before the meeting, compares the available paths, and provides a written Strategy Summary or personalized Roadmap™. You remain responsible for your account and final submission. This page explains every stage of the student loan consultation process, including timing, documents, communication, and follow-up support.
01 / BEFORE YOU SCHEDULE
The assessment asks about the federal or private nature of the loans, current servicer, estimated balance, payment, household income range, marital status, dependents, employer type, and main goal. It does not provide individualized repayment analysis or require human review.
Your result recommends the Student Loan Strategy Session, Complete FedRepay Plan, Annual IDR Recertification, Complex Case Planning, or a free federal or specialist resource. If a paid service fits, you see the exact price, main deliverables, limitation, and next action.
There is no required sales call. You decide whether the recommendation fits before moving forward.
Immediate recommendation. No FSA password or sensitive account credentials.
02 / SEVEN VISIBLE STAGES
Answer a focused set of questions about the loans, household, employment, current payment, and main goal. Do not enter a Social Security number, FSA password, bank information, full tax return, or account credentials.
Display an immediate recommendation and explain why the selected service or free resource fits the answers provided.
Expected time: 3–5 minutes.
Compare the recommendation with the other service levels. If you select paid help, review the agreement, disclosures, exact price, deliverables, limitations, and approved checkout instructions.
Provide a clear distinction between the limited Strategy Session, the implementation-focused Complete Plan, Annual IDR Recertification, and custom Complex Case Planning.
What you know before proceeding: The price, meeting length, written deliverable, support period, and work that is not included.
Choose an available appointment and provide only the records listed for the selected service through the designated process. Never send an FSA password.
Send the scheduling confirmation, document checklist, submission instructions, and privacy reminder after the service scope is confirmed.
Respond to reasonable requests for missing or inconsistent information. You remain responsible for providing accurate records and disclosing relevant deadlines.
Review the loan types, interest rates, repayment history, current payment, income, family size, employment, forgiveness considerations, Parent PLUS issues, consolidation possibilities, servicer status, and questions within the purchased scope.
This preparation keeps the meeting focused on decisions and tradeoffs rather than spending the entire appointment gathering basic facts.
Confirm the goals, correct any misunderstood facts, ask questions, and decide which tradeoffs deserve the most attention.
Explain the current situation, compare relevant repayment paths, discuss estimated monthly and long-term scenarios, identify forgiveness considerations, outline advantages and disadvantages, and establish the next reasonable step.
Expected meeting length: Approximately 60 minutes for the Strategy Session and Complete Plan. Annual IDR Recertification is approximately 35 minutes when a meeting is needed. Complex-case timing is defined in writing.
Read the written material, review the assumptions, and ask for clarification during the included support period.
Deliver the written product included with the service:
The FedRepay Roadmap™ organizes the current situation, recommended strategy, alternatives, estimated outcomes, action checklist, required documents, important deadlines, and support plan.
Complete the relevant federal application or form, upload borrower-completed materials for review when included, make the final decision, and submit through StudentAid.gov or the appropriate official channel.
Under the Complete Plan, explain the relevant application, review borrower-completed information and supporting documents within scope, identify obvious missing or inconsistent information, and help interpret subsequent servicer correspondence.
External Department of Education, servicer, employer, or government processing time is outside these delivery commitments. Individual situations, processing times, and outcomes vary.
When the next annual review approaches, an existing borrower may return for Annual IDR Recertification.
03 / DOCUMENT PREPARATION
Federal Student Aid explains that a StudentAid.gov account acts as a legal signature and should not be shared. FedRepay will never ask to take control of that account.
Use the document-preparation checklist before uploading anything04 / VISIBLE PROOF
The Free Online Fit Assessment gives an immediate service or free-resource recommendation. A borrower does not have to schedule a sales call just to learn which service and price may fit.
FedRepay reviews the agreed records in advance. The meeting can concentrate on comparisons, assumptions, tradeoffs, and decisions instead of beginning with an empty intake.
Every paid strategy service includes a written deliverable. Complete Plan clients receive the FedRepay Roadmap™, which converts the recommendation into an implementation framework.
FedRepay can explain an application and review borrower-completed documents when included. The borrower keeps the FSA password, controls the account, chooses the path, and makes the final submission.
Support lasts 14 days, 60 days, or the custom period shown in writing. Annual recertification remains available as a separate service rather than an undisclosed recurring charge.
If the assessment indicates that StudentAid.gov, the servicer, a nonprofit resource, or another qualified professional is the better fit, FedRepay can recommend that route.
05 / AFTER THE MEETING
For a Strategy Session, the written summary explains the recommended repayment path, why it was selected, alternatives, deadlines, estimated scenarios, next steps, and questions to ask the servicer. The 14-day email period is for clarification, not implementation or document review.
For the Complete Plan, the Roadmap™ becomes the working document. FedRepay can help you understand the application, review borrower-completed forms and supporting records, check the submission package within scope, and discuss relevant correspondence for 60 days.
For Annual IDR Recertification, you receive an updated recommendation, estimate, checklist, deadline reminders, borrower-completed submission review, and 14 days of support. A complex case follows the meetings, deadline, deliverables, and support period in its written scope.
FedRepay does not control federal eligibility, payment calculations, processing, payment-count credit, account corrections, discharge, or forgiveness. Continue tracking official status through StudentAid.gov and the authorized servicer.
06 / PROCESS QUESTIONS
These are the most common questions about timing, documents, meetings, submission, and support.
See all FedRepay frequently asked questionsNo. The assessment is completed online in approximately 3–5 minutes and displays an immediate recommendation without a phone call or human review.
FedRepay confirms the applicable scope, agreement, disclosures, payment timing, scheduling instructions, document checklist, submission instructions, and a reminder never to share an FSA password. Payment is not currently collected through this website.
A direct inquiry received by 3:00 p.m. Arizona time receives a human response the same business day. A later inquiry receives a response by the next business day.
The Student Loan Strategy Session and Complete Plan strategy meeting are approximately 60 minutes. An Annual IDR Recertification meeting is approximately 35 minutes when needed. Complex-case meetings are defined in the written scope.
No. Never send an FSA password or account credentials to FedRepay. You retain control of StudentAid.gov and your servicer account.
The borrower makes the final submission through StudentAid.gov or the appropriate official channel. The Complete Plan can include application guidance, borrower-completed document review, and a submission-package check within the approved scope.
FedRepay identifies information that appears missing or inconsistent and requests what is reasonably needed for the agreed analysis. Missing records can delay the meeting, written deliverable, or recommendation.
The support period begins according to the service agreement and delivery workflow, generally when the written Strategy Summary, Roadmap™, or recertification recommendation is delivered. The final agreement must state the exact start and end dates.
Outside processing time is not controlled by FedRepay and does not change a servicer or government deadline. FedRepay can help interpret correspondence within the support scope, but it cannot guarantee processing speed or an official decision.
The assessment may recommend a free StudentAid.gov resource, the official servicer, a nonprofit organization, an attorney, a tax professional, or another qualified specialist. FedRepay will not force every situation into a paid package.
READY TO BEGIN WITH A CLEAR FIRST STEP?
Contact option: Call or text 602-377-6626
