01PAYMENT
Repayment Plan and Lower-Payment Guidance
Compare current federal repayment paths using your actual loan and household information. The review may include the Repayment Assistance Plan (RAP), Income-Based Repayment (IBR), the Tiered Standard Plan, or another legally available path when applicable.
Useful when:- The current monthly payment feels unaffordable
- Income or family size has changed
- A former repayment strategy may no longer fit
- You need to compare monthly affordability with long-term cost
What FedRepay adds: Side-by-side estimated scenarios, stated assumptions, tradeoffs, and a written recommendation. Payment amounts and eligibility are not guaranteed.
Explore: Federal repayment-plan guidance
02PSLF
Public Service Loan Forgiveness Guidance
Organize the employer, loan, repayment, and payment-record information that affects Public Service Loan Forgiveness (PSLF) progress. FedRepay can help identify questions, prepare records, and explain the next appropriate step without promising approval or forgiveness.
Useful when:- You work for a government or qualifying nonprofit employer
- Your qualifying-payment count appears incorrect
- Employment periods are missing or uncertified
- You need to coordinate repayment choices with a PSLF goal
What FedRepay adds: A structured recordkeeping review, issue list, deadline tracking, and preparation guidance. The U.S. Department of Education determines PSLF eligibility and qualifying-payment credit.
Explore: PSLF planning and recordkeeping help
03PLUS
Parent PLUS and Consolidation Analysis
Understand how Parent PLUS loans, Direct Consolidation, loan dates, and the borrower’s broader federal portfolio affect available repayment paths. Consolidation can change repayment-plan access and other loan characteristics, so the decision deserves a complete review before action.
Useful when:- A parent borrowed for one or more children
- Parent and student loans appear in the same household
- Consolidation is being considered for repayment eligibility
- You need to understand what consolidation changes and what it does not
What FedRepay adds: Loan-by-loan organization, a comparison of relevant paths, and a written sequence of next steps. FedRepay does not sell refinancing or private-loan products.
Explore: Parent PLUS loan guidance and federal consolidation review
04ANNUAL
Annual IDR Recertification Help
Reassess the current income-driven repayment strategy before submitting updated income and family information. Annual recertification is more than a reminder when income, family size, employment, tax information, or available repayment options have changed.
Useful when:- Your annual income-driven repayment deadline is approaching
- Income or family size changed during the year
- You want to check whether the current plan still fits
- You want a review of borrower-completed recertification information
What FedRepay adds: An updated recommendation, estimated payment scenario, checklist, deadline review, submission review within scope, and 14 days of support.
Explore: Annual IDR Recertification
05RECORDS
Servicer Problems and Complex Cases
Create an organized record when transfers, missing payments, multiple servicers, mixed loan types, disputes, or incomplete histories make an ordinary plan comparison insufficient. The goal is to separate verified facts, missing information, and issues requiring an official correction or specialist referral.
Useful when:- Payment or employment records appear incomplete
- A loan transfer created inconsistent information
- More than one borrower or servicer is involved
- The matter may require record reconstruction or escalation
What FedRepay adds: A written scope, additional research, expanded analysis, longer support, and a clear boundary between planning help and matters requiring legal or other professional representation.
Explore: Student loan servicer problem review and Complex Case Planning
