Independent education. Not affiliated with the U.S. Department of Education or any loan servicer.
SAVE is ending. Here's what to do next.
In about 3 minutes, find out which situation you're in and the next steps, with links to the free official tools. We never ask for your loan logins, and there are no sales calls.
1 of 4 steps done25%
Step 1: Sign in and see your federal loans
Donestudentaid.gov
Step 2: Find out who your loan servicer is
Nextstudentaid.govTarget date Nov 19
Step 3: Compare plans with your own numbers
To dostudentaid.govTarget date Nov 26
Step 4: Call your servicer with your questions
To doyour servicer
How it works
- Answer 8 short questionsRanges only. No account numbers, no exact income.
- See your situation and free stepsRight away, on the next screen. No email needed.
- Do each step with the free official toolsStudentAid.gov and your own loan servicer.
Which of these sounds like you?
Not sure which one fits? The quiz sorts it out for you. It points you to content, and it doesn't decide what you qualify for.
I'm on SAVE
You have federal loans on the SAVE plan and want to know what to do next.
I work in public service
You work for government or a non-profit and want to keep forgiveness options in view.
I have Parent PLUS loans
You borrowed for your child's education and want to see your options.
I'm behind or in default
Your loans are past due or in collections and you want to know where to start.
I have private loans
Your loans are from a bank or private lender, not the federal government.
I'm not sure
You don't know your loan type or plan yet. Start by looking it up.
Not sure which steps fit you?
Answer 8 short questions to see the free steps for your situation. No account numbers or exact income needed.
Common questions
- Is RepayKit part of the government or my loan servicer?
- No. RepayKit is an independent educational resource. It is not affiliated with the U.S. Department of Education or any loan servicer.
- Do I have to pay to change my repayment plan?
- No. You can change repayment plans, apply for forgiveness programs, and get help from your loan servicer and StudentAid.gov at no cost.
- What does the quiz ask?
- 8 multiple-choice questions about your loan type, plan, type of job, payment status, and ranges for household size and income. We never ask for your Social Security number, FSA ID, account numbers, date of birth or exact income.
- Do I need to give my email?
- No. Your free steps show right away. If you want, you can get them by email and ask to be told when a rule changes.
- What is the DIY Kit?
- An optional $19 one-time purchase with a full checklist, a document list, call scripts and reminders. Everything in it can also be done for free with StudentAid.gov and your servicer.
- What does RepayKit cost?
- The quiz, your first steps, the guides and the updates page are free. The DIY Kit is $19, paid once. You can add a 12-month update pass for $9, also paid once: it emails you when a rule we track changes, with the kit steps that use it. Nothing renews and there is no subscription.
- How do you keep this up to date?
- Every rule we show links to the official page it comes from and shows the date we last checked it. Our updates page lists every change.
General information only, not financial, tax, or legal advice. Rules change; always confirm with official sources.