Terms of use

Who we are

RepayKit (repaykit.com) is run by Quixta Ventures LLP, a limited liability partnership registered in India ("we", "us"). Our address is shown at the bottom of this page. You can reach us at support@repaykit.com.

These terms are an agreement between you and Quixta Ventures LLP. By using RepayKit, or by buying the DIY Kit or update pass, you agree to them. If you don't agree, please don't use the site.

Who can use RepayKit

• You must be 18 or older.
• RepayKit is meant for people in the United States with US federal student loans, using it for their own personal loans or a family member's. We don't promise it is suitable or lawful to use anywhere else.
• Please read this page together with our privacy policy, disclaimer, refund policy and cookie policy.

What RepayKit is

RepayKit is an independent educational website about US federal student loans. We publish guides, a short quiz that points you to general steps for your situation, and a paid do-it-yourself kit with checklists, call scripts and reminders.

RepayKit is not affiliated with, endorsed by or acting for the U.S. Department of Education, Federal Student Aid or any loan servicer. Free help is available from your loan servicer and StudentAid.gov. You never have to pay anyone for help with your federal student loans.

What RepayKit does not do

• We do not give individual financial, tax or legal advice. We are not financial advisors, lawyers or a loan servicer.
• We do not apply for anything, contact your servicer, or log in to any account for you.
• We do not offer debt relief, debt settlement, loan consolidation services or refinancing, and we can't lower your payment or get your loans forgiven.
• We do not sell anything by phone, and we never call or text you.
• We never ask for your FSA ID, Social Security number, account numbers, date of birth or exact income. Please don't send them to us.

Education only, not a debt relief or student loan assistance service

RepayKit sells information, not a service. The DIY Kit and update pass are self-help materials you use on your own. In particular:

• We don't act for you, represent you or speak to anyone on your behalf. We never file, sign or submit any form, and we never ask for or use your FSA ID or any login.
• We don't negotiate, settle, change or consolidate any loan, and we don't promise to.
• The price is a fixed, one-time price for the materials, paid when you buy them. It never depends on the outcome of anything you do, and no part of it is for a service still to come.
• Everything the kit helps you with can be done for free at StudentAid.gov and with your servicer.

If we ever offer a service that does any of the things above, it will come with its own terms and only where it is lawful.

Your responsibilities

You decide what to do with your loans. Before you act, check the rules on StudentAid.gov and with your servicer, because rules change and your loans may be different from the general situations we describe. The quiz sorts answers into situation types to pick content. It does not decide whether you qualify for anything.

You agree not to misuse the site. That means no scraping at scale, no trying to get around security, rate limits or spam checks, no using the site to break the law, and no entering someone else's email without their permission.

The DIY Kit and the update pass

• The DIY Kit is an information product sold for a one-time price of $19. You get access right away, and it does not expire.
• The optional 12-month update pass costs $9, paid once. It emails you when a rule we track changes, for 12 months from purchase, and then ends. It does not renew and we never charge you again.
• Prices are in US dollars. Sales tax may be added where it applies. Payments are handled by Stripe. We never see your card details.
• Neither one changes the result of any application or decision by your servicer or the Department of Education. We can't promise any result, payment amount or approval.
• See the refund policy for how refunds work.

Accounts and access

Kit access uses a sign-in link sent to your email. Keep your email account secure, because anyone who can read your email can open your kit. We may suspend or end access if the kit is refunded, if a payment is reversed, or if these terms are misused. You can stop using RepayKit and delete your data at any time from your account page.

Content accuracy

We check every rule we show against an official source and show the date we checked it. Rules can change at any time, so information may be out of date. If you spot a mistake, tell us at support@repaykit.com.

Our content and trademarks

The guides, checklists, call scripts and design are ours. You may use them for your own loans and share links to them. Please don't copy or resell them.

"RepayKit" and our logo are our brand. Other names, such as StudentAid.gov, Federal Student Aid and the names of loan servicers, belong to their owners. We use them only to describe where to get help. That use does not mean they endorse us.

Other websites

We link to official sites such as StudentAid.gov and to your servicer. We don't control them and we aren't responsible for what they say or do. Their own terms and privacy policies apply.

Emails and electronic records

You agree that we can give you receipts, notices and these terms electronically, by email or on this site, and that they count as "in writing". You can ask for a copy at support@repaykit.com. Marketing emails are only sent if you opt in, and you can unsubscribe from them at any time.

No warranties

Limits on our liability

Indemnity

If you misuse RepayKit, break these terms or the law, or enter information you had no right to share, you agree to cover our reasonable costs, including legal fees, from any claim that results. This doesn't apply to claims caused by our own fault.

Disputes: informal first, then individual arbitration

Please read this section carefully. It affects your rights, including your right to go to court and to join a class action.

1. Talk to us first. Before starting any claim, email support@repaykit.com with your name, your email, what happened and what you want. We'll both try in good faith to settle it within 30 days. Most problems end here, often with a refund.
2. Small claims court. Either of us may take a claim to small claims court in your home county (or in Delaware) if it qualifies.
3. Arbitration. Otherwise, any dispute about RepayKit or these terms will be settled by binding individual arbitration run by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration will take place in Wilmington, Delaware, or by video or phone if you prefer. The Federal Arbitration Act governs this section. If you start an arbitration for less than US$10,000, we pay all AAA filing, administration and arbitrator fees. For larger claims, we pay those fees above what you would pay to file in court. Either way, that doesn't apply if the arbitrator finds your claim frivolous. Each of us pays our own lawyers unless the law or the arbitrator says otherwise. The arbitrator can award you the same individual relief a court could.
4. No class actions. You and we may only bring claims as individuals, not as a plaintiff or class member in any class, group or representative action. The arbitrator can't combine claims of different people.
5. Opt out within 30 days. You can opt out of this arbitration section by emailing support@repaykit.com within 30 days of first using RepayKit or first buying from us, with your name, your email and the words "arbitration opt-out". Opting out doesn't affect anything else in these terms.
6. Going to court for urgent matters. Either of us can ask a court to stop the other from misusing the site or infringing copyright, trademarks or other intellectual property. If the law of your state gives you a right to ask a court for public injunctive relief, that claim goes to court, and it waits until any individual arbitration has finished.
7. Changes to this section. If we change this disputes section, the change doesn't apply to a dispute either of us has already told the other about. You can reject a change by emailing support@repaykit.com within 30 days of it taking effect, and the earlier version keeps applying to you.
8. If this section can't be enforced. If the class action waiver is found unenforceable for a claim, that claim goes to court, not arbitration. The courts below then decide it.

Governing law and courts

These terms are governed by the laws of the State of Delaware, USA, without regard to its conflict-of-law rules, and by US federal law. For anything that is not arbitrated or in small claims court, you and we agree to the exclusive jurisdiction of the state and federal courts located in Delaware. If you are a consumer, this doesn't take away any protection you have under the laws of the state where you live.

Notice for California users

Under California Civil Code section 1789.3, California users are entitled to this notice: you can reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by phone at (800) 952-5210.

Ending these terms

You can stop using RepayKit at any time. We may stop offering it, or end your access if you break these terms. If we stop offering the kit or update pass while you still have access you paid for, we'll give you a prorated refund for the update pass time left, and at least 30 days' notice for the kit. The sections on our content, warranties, liability, indemnity, disputes and governing law survive the end of these terms.

Things outside our control

We aren't responsible for delays or failures caused by events we can't reasonably control, such as outages at our hosting, email or payment providers, internet failures, natural disasters, war, strikes or changes in the law.

Changes to these terms

We may update these terms. The date at the top of this page shows the last change. If a change is important and you bought from us, we'll email you before it takes effect. Changes don't apply to a dispute we already know about. If you keep using RepayKit after a change takes effect, the new terms apply.

The rest of the legal fine print

• Whole agreement. These terms, together with the policies linked above, are the whole agreement between you and us about RepayKit.
• Severability. If a court finds part of these terms unenforceable, the rest still applies.
• No waiver. If we don't enforce a part of these terms right away, we can still enforce it later.
• Assignment. You can't transfer these terms to someone else. We may transfer them to a business that takes over RepayKit, and we'll tell you if that happens.
• Notices. We send notices to the email you gave us. You send notices to support@repaykit.com.

Contact

Quixta Ventures LLP, which runs RepayKit. Email: support@repaykit.com. Address: Bengaluru, Karnataka, India.