What makes the model different?
- Published prices and defined scopes
- A free-resource recommendation when paid help is unnecessary
- Written deliverables instead of an undocumented conversation
- No FSA password and no control of the borrower’s account
- No lender affiliate offers or percentage-of-savings fees
What does FedRepay claim?
FedRepay relies on specific, verifiable service facts rather than unsupported success statistics or manufactured social proof. Individual situations and outcomes vary.
Who is the service for?
FedRepay focuses on federal student-loan borrowers who want help understanding tradeoffs, organizing information, and preparing to act through the official channel.
When is FedRepay not the right first step?
Private-only loans, litigation, bankruptcy, involuntary collection, identity theft, certain discharge claims, and individualized legal or tax questions may require an official program, nonprofit, attorney, tax professional, or another specialist.
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.