📌 Do I need federal loans for this to work?
Yes. This tool only works with federal student loans. If your loans are private, we unfortunately can’t help reduce those through federal programs.
📋 What types of federal loans don’t qualify?
Some federal loans aren't always eligible until they're consolidated. This includes:
FFEL (Federal Family Education Loans)
Perkins Loans
Parent PLUS Loans (these have limited options and usually have to be consolidated to qualify for income-driven plans)
🕒 I’m still in school or not in repayment yet—does that matter?
Yes. If you’re:
Still in school
In your grace period
On deferment or forbearance
You may not be eligible to switch plans or apply until repayment begins.
⛔ My loans are in default—could that be the reason?
Yes. Loans in default aren’t currently eligible for any income-driven repayment plans. Once they’re brought back into good standing, options may become available.
🔄 My info looks off—what should I do?
Try waiting for your loan data to sync again. This happens usually every 45 days. If anything still seems wrong, reach out to our support team and we’ll take a closer look.