About RepayKit

What is RepayKit?

RepayKit is a website that helps US federal student loan borrowers work out what to do now that the SAVE repayment plan is ending. You answer 8 short questions, and it shows which of 6 situation types you are in and the first free steps for that situation. Each step links to the free tool on StudentAid.gov that does it, or tells you what to ask your own loan servicer.

It is education only. It points you to content for your situation. It does not decide what you qualify for, and it can't change the result of any application.

Who runs RepayKit?

RepayKit is run by Quixta Ventures LLP, a limited liability partnership registered in India. The guides and checklists are researched and written by the RepayKit team. We are not financial advisors, lawyers or a loan servicer.

We are not affiliated with the U.S. Department of Education, Federal Student Aid or any loan servicer.

How do we check the facts?

Student loan rules change, so we never write a rule, number, date or eligibility point straight into a page. Each one is stored once as a fact record with three things: the official page it comes from, the date a person last checked it against that page, and a date to check it again.

• Sources must be on an official government domain, such as studentaid.gov, ed.gov, federalregister.gov, consumerfinance.gov, irs.gov. Our admin tool won't save a fact with any other source.
• A rule that hasn't been checked by a person is not shown anywhere on the site.
• Next to each rule you can see its source link and the date we checked it.
• If a rule is more than 14 days past its re-check date, every page that uses it shows a notice that it is being re-checked.
• Every change is logged with its date and source on What has changed.

Each guide shows who wrote it, when it was last reviewed and a list of its sources. Guides marked Draft are still being written and checked.

What does RepayKit not do?

• We never apply for anything, contact your loan servicer or log in to your accounts for you.
• We never ask for your Social Security number, FSA ID, account numbers, date of birth or exact income.
• We don't give individual financial, tax or legal advice, and we are not a debt relief company.
• We don't take referral fees from lenders, refinancing companies or loan servicers, and we don't show ads.
• We don't sell anything by phone, and we never call or text you.

How does RepayKit make money?

The quiz, your first steps, the guides and the updates page are free. We sell one optional product, the DIY Kit, for $19 paid once. It adds a full checklist that saves your progress, a document list, call scripts for your own servicer and date reminders. There is also an optional 12-month update pass for $9, paid once, that emails you when a rule the kit uses changes. Nothing renews.

You don't need either one. Everything in the kit can be done for free with StudentAid.gov and your loan servicer.

Where can I get free official help?

Start at StudentAid.gov (opens an official site in a new tab), where you can see your federal loans and who services them, and compare repayment plans with the Loan Simulator (opens an official site in a new tab). Your loan servicer can also help at no cost.

How do I contact RepayKit?

Email support@repaykit.com. We can answer questions about the site, your order or your data. We can't look at your loans or give advice about your situation. For that, contact your loan servicer or StudentAid.gov.