Guides
Plain-language guides for US federal student loan borrowers dealing with the end of the SAVE plan. Every rule we mention links to the official page it comes from, with the date we last checked it.
How to find out which loans you have
Where to look up your federal student loan types and servicer on StudentAid.gov, so you know which steps apply to you.
DraftNot reviewed yetPSLF and SAVE: what changes
What borrowers working toward Public Service Loan Forgiveness should know as SAVE ends, with every rule linked to its official source.
DraftNot reviewed yetWhat SAVE ending means for you
A plain-language look at what the end of the SAVE plan means for federal student loan borrowers, with every rule linked to its official source.
DraftNot reviewed yetWhat to do if your payment went up
Calm, practical first steps if your federal student loan payment went up, with links to the free official tools and your servicer.
DraftNot reviewed yet
Which guide should I read first?
Pick the line that sounds most like you.
- You don't know which loans you have or who services them:How to find out which loans you have
- You got a letter or bill and your payment went up:What to do if your payment went up
- You are on SAVE and want the big picture:What SAVE ending means for you
- You work for government or a non-profit:PSLF and SAVE: what changes
Not sure? The 8-question quiz picks your situation and shows the first free steps.
How are these guides written?
The RepayKit team researches and writes each guide from official pages, mostly StudentAid.gov. A rule, number or date never goes straight into a guide. It comes from a fact record that holds the official source and the date a person checked it, and it is only shown once it has been checked.
Each guide lists its sources and shows when it was last reviewed. Guides marked Draft are still being written and checked, and we ask search engines not to show them until they are reviewed. Read how we check facts or see every rule change.
Where can I get free help?
You never have to pay for help with federal student loans. Sign in to StudentAid.gov (opens an official site in a new tab) to see your loans, or call your loan servicer. Both are free.
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.
General information only, not financial, tax, or legal advice. Rules change; always confirm with official sources.