Disclaimer

General information only

Everything on RepayKit is general information, not financial, tax or legal advice. Rules change, so always confirm with official sources such as StudentAid.gov and your loan servicer.

Not affiliated

RepayKit is an independent educational resource. It is not affiliated with, endorsed by or acting for the U.S. Department of Education, Federal Student Aid or any loan servicer. It is not part of the government. It is run by a private business, Quixta Ventures LLP.

Free help is available

You can change repayment plans, apply for forgiveness programs, and get help from your loan servicer and StudentAid.gov at no cost. You never need to pay anyone to do these things.

Not a debt relief service

RepayKit is not a debt relief, debt settlement or loan consolidation company. We don't contact your servicer, apply for anything or log in to any account for you, and we don't sell anything by phone. The DIY Kit is an information product: you do every step yourself, for free, with StudentAid.gov and your servicer.

Situations, not decisions

The quiz sorts answers into a few general situation types so we can show you relevant content. It does not decide whether you qualify for anything. Check your own options with the Loan Simulator on StudentAid.gov and with your servicer.

No promises about results

We can't promise any result, payment amount, forgiveness or approval. Those decisions are made by your servicer and the Department of Education.

Watch out for scams

Anyone who asks for your FSA ID or password, or charges an upfront fee to "get your loans forgiven", is a red flag. You can report student loan scams to the Federal Trade Commission and the Consumer Financial Protection Bureau.

Sources and dates

Each rule we show links to the official page it comes from and shows the date we last checked it. If a rule is overdue for a check, we say so on the page.