Existing borrowers whose immediate need is limited to the annual repayment update.

What is included?

  • Review of the current plan and updated information
  • Updated recommendation and payment estimate
  • Recertification checklist
  • Review of the borrower-completed recertification before submission
  • Deadline review, reminders, and 14 days of support

What are the important limitations?

  • The service is limited to annual recertification scope.
  • FedRepay does not provide individualized tax advice or decide how a borrower should file taxes.
Free official alternative

Federal applications, StudentAid.gov tools, and federal loan-servicer assistance remain available free of charge. Paid FedRepay guidance is optional.

What happens next?

Confirm the deadline and current official requirements before beginning.

Choose Annual IDR RecertificationRetake the Free Assessment