Free Online Fit Assessment
$0Identify the appropriate paid service or free-resource path
Published Prices | Defined Deliverables | No Monthly Subscription
Student Loan Advisor Cost With Clear, Flat-Fee Pricing
Compare every service, see what you receive, and start with a free recommendation before choosing paid guidance.
$0. Takes 3–5 minutes. No phone call or credit card.$0Free Assessment
$149Annual IDR
$295Strategy Session
$695Complex Planning
FLAGSHIP$495
Complete FedRepay Plan
Prices From $0Written DeliverablesNo Balance-Based FeeNo Automatic Renewal
STUDENT LOAN ADVISOR COST
Student loan advisor cost should be clear before you schedule or purchase anything. FedRepay publishes every standard price, the work included, the main limitation, and the support period so you can compare services without a sales call. Start with the free 3–5 minute assessment, choose focused advice for $295, receive comprehensive planning and implementation guidance for $495, prepare annual recertification for $149, or request a written complex-case scope starting at $695. This page explains the value behind each student loan consultation cost and where free federal help may be enough.
01 / THE COST OF UNCERTAINTY
What Can an Unclear Student Loan Decision Cost?
The cost of uncertainty can include time, avoidable processing delays, missed deadlines, unnecessary interest, and a repayment path that does not match the borrower’s actual goal.A low monthly payment is not automatically the lowest-cost strategy. A short repayment term is not automatically the best household decision. Forgiveness language is not useful unless the borrower, loans, employment, payments, and records satisfy the applicable rules.
Free tools can be enough when the borrower understands the options and feels comfortable acting independently. Paid guidance becomes more useful when several facts interact, the records are unclear, the decision has long-term consequences, or the borrower wants a written second opinion and implementation framework.
FedRepay does not assign a dollar amount to a hypothetical mistake or promise that its fee will produce savings. Individual situations and outcomes vary.
Compare free federal help with paid guidance.
02 / PUBLISHED PRICE RANGE
What Does a Student Loan Advisor Cost at FedRepay?
FedRepay ranges from a $0 self-guided assessment to $495 for the standard comprehensive package, with complex custom planning starting at $695.Annual IDR Recertification
$149Review an existing borrower’s annual repayment update
Student Loan Strategy Session
$295Receive individualized advice and a written recommendation
Complete FedRepay Plan
$495Receive analysis, a written Roadmap™, implementation guidance, document review, and 60 days of support
Complex Case Planning
Starting at $695Address record-heavy, multi-borrower, Parent PLUS, PSLF-count, transfer, dispute, or reconstruction needs
Standard services use flat published prices. Fees are not calculated as a percentage of the loan balance, estimated savings, or projected forgiveness.
Complex work receives a written scope and price before additional work begins. Parent PLUS complexity, multiple borrowers, several servicers, extensive historical records, mixed loan types, payment-count reconstruction, or work beyond the purchased package can require a custom scope.
Before payment: FedRepay provides the service agreement, exact price, payment timing, and applicable cancellation terms before a paid engagement begins. Payment is not currently collected through this website.
03 / SERVICE LEVELS
Which FedRepay Service Fits Your Needs?
Choose according to the amount of analysis, implementation support, document review, and follow-through you need.Featured flagship service $495
Complete FedRepay Plan | $495
Best for: Borrowers who want a recommendation plus a written implementation framework and document-review support.
You receive:
- Everything in the Student Loan Strategy Session
- Personalized FedRepay Roadmap™
- Application guidance
- Document and submission review within scope
- Checklists, deadline calendar, and 60 days of support
Main limitation: You retain your FSA credentials, make the final decision, and submit through StudentAid.gov or the appropriate official channel. No eligibility, payment, processing, correction, discharge, or forgiveness result is guaranteed.
02 $295
Student Loan Strategy Session | $295
Best for: Borrowers who want individualized analysis and advice before making a decision but do not need implementation or document review.
You receive:
- Pre-meeting review of the agreed loan and household information
- Approximately 60-minute strategy meeting
- Relevant estimated payment and long-term scenarios
- Written FedRepay Strategy Summary
- 14 days of email questions
Main limitation: Application guidance, document review, implementation help, paperwork review, and submission review are not included.
03 Starting at $695
Complex Case Planning | Starting at $695
Best for: Borrowers whose records or household situation require more work than the Complete Plan includes.
You receive:
- Everything in the Complete FedRepay Plan
- Additional research and meetings
- Expanded written analysis
- Longer support period
- Custom deliverables, deadline, and written scope
Main limitation: The final price, meeting count, timeline, and support period depend on the records and work required.
Special starting point $0
Free Online Fit Assessment | $0
Best for: Anyone who does not yet know which service or free resource fits.
Complete the online questions in approximately 3–5 minutes and receive an immediate service-fit recommendation. No phone call, credit card, personalized repayment analysis, or human review is included.
Special annual-review service $149
Annual IDR Recertification | $149
Best for: Existing income-driven repayment borrowers approaching an annual deadline.
You receive:
- Current plan, income, family-size, and change review
- Updated recommendation and estimated payment scenario
- Recertification checklist and deadline review
- Review of borrower-completed recertification before submission
- 14 days of support
Main limitation: The service is limited to the annual recertification scope. Broader strategy, historical record reconstruction, or complex disputes require another service.
Not sure which description matches? See how FedRepay works or start with the free assessment.
04 / FEATURE COMPARISON
How Do the FedRepay Services Compare?
The main difference is the level of individualized analysis, implementation guidance, document review, written detail, and ongoing support.| Included Feature | Free Assessment | Annual IDR | Strategy Session | Complete Plan | Complex Planning |
|---|---|---|---|---|---|
| Published price | $0 | $149 | $295 | $495 | From $695 |
| Immediate service-fit recommendation | Yes | No | No | No | No |
| Personalized federal-loan analysis | No | Annual scope | Yes | Yes | Expanded |
| Strategy meeting | No | If needed, approx. 35 min | Approx. 60 min | Approx. 60 min | Custom |
| Written recommendation | No | Updated recommendation | Strategy Summary | Roadmap™ | Expanded analysis |
| Estimated scenarios | No | Updated estimate | Yes | Yes | Expanded |
| Application guidance | No | Recertification scope | No | Yes | Custom |
| Document and submission review | No | Recertification scope | No | Yes | Custom |
| Included follow-up | None | 14 days | 14 days | 60 days | Written scope |
| Borrower controls account and submits | Yes | Yes | Yes | Yes | Yes |
Every paid service includes:
01Scope and price disclosed before engagement
02Review limited to the selected service or written custom scope
03Plain-English explanation of relevant tradeoffs
04Written deliverable
05Defined support period
06No request for an FSA password
07Honest referral when a free or different professional resource is more appropriate
05 / THE FLAGSHIP SERVICE
Why Is the Complete FedRepay Plan the Flagship Service?
The Complete Plan turns a recommendation into a practical implementation framework instead of ending with an hour-long conversation.The $295 Strategy Session answers the central decision question and provides a written summary. The additional $200 for the Complete Plan adds the detailed FedRepay Roadmap™, application guidance, document and submission review within scope, checklists, a deadline calendar, and 60 days of support.
This service is not automatically right for everyone. Choose the Strategy Session if you only need a defensible recommendation. Choose Annual IDR Recertification if the annual update is the only issue. Use Complex Case Planning when the records or household require additional work.
Review the complete FedRepay Roadmap™ and implementation scopeThe Roadmap™ is organized around:
01Your Current Situation
02Recommended Strategy
03Alternative Options
04Estimated Outcomes
05Action Checklist
06Required Documents
07Important Deadlines
08Support and Next Steps
06 / PRICING QUESTIONS
What Pricing Questions Should You Ask Before Choosing?
Confirm the full deliverable, limitation, payment timing, additional-charge policy, cancellation terms, and free alternatives before purchasing any student-loan assistance.
See all FedRepay pricing and service questions01Are there monthly subscription fees or automatic renewals?
No. FedRepay’s current services are one-time flat-fee packages or a written complex-case scope. Annual IDR Recertification is purchased separately when needed. There is no automatic annual renewal or undisclosed recurring charge.
02Are there success fees or percentage-of-savings fees?
No. FedRepay does not charge a percentage of the loan balance, estimated payment reduction, projected savings, discharge, or forgiveness.
03Can the price increase after I choose a service?
The standard package price does not change within the purchased scope. Work outside that scope requires a separate written description and price before the additional work begins.
04Which payment methods are accepted?
Payment is not currently collected through this website. Before a paid engagement begins, FedRepay provides the available payment method, exact amount, service agreement, payment timing, and applicable cancellation terms for review.
05Are payment plans or financing available?
No payment plan or financing option is currently offered. FedRepay does not advertise installment terms or monthly-payment offers that are not actually available.
06When will I be charged?
Payment is not currently collected through this website. Before any paid engagement begins, FedRepay provides the exact price, payment timing, service agreement, and applicable cancellation terms for review.
07Where can I review cancellation and refund terms?
Review the current Appointment and Cancellation Policy before beginning a paid engagement. The applicable service agreement and any rights provided by law also control.
08Why pay when StudentAid.gov and servicer help are free?
Federal applications, official calculators, and servicer assistance remain available free. FedRepay charges for individualized analysis, written comparisons, preparation support, document review within scope, organization, and follow-through.
If you understand the available path and are comfortable acting independently, use the free official process. The Fit Assessment may recommend a free federal or nonprofit resource instead of a paid package.
09Does the fee guarantee a lower payment or forgiveness?
No. The fee pays for the defined analysis, education, written deliverables, preparation support, and follow-up. Eligibility, payment amounts, processing, corrections, discharge, and forgiveness are controlled by the applicable program or authorized decision-maker.
READY TO SEE WHICH PRICE AND SERVICE FIT?
Ready to See Which Price and Service Fit?
Begin with the $0 assessment and receive an immediate recommendation before choosing a paid service.$0. Takes 3–5 minutes. No phone call. No credit card.Contact option: Call or text 602-377-6626