FedRepay — Independent Student Loan Guidance
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$0 assessment · 3–5 minutes · No credit card

Independent Student Loan GuidanceFederal Loans Only

Student Loan Advisor for a Clearer Federal Repayment Plan

Compare legitimate federal repayment paths, understand the tradeoffs, and leave with a written plan built around your real situation.

Find My Best FitCompare Services
  • $0 · takes 3–5 minutes
  • No phone call
  • No credit card
Borrower reviewing a clear federal repayment roadmap from a student loan advisor
Borrower reviewing a clear federal repayment roadmap from a student loan advisor

  • Founded in 2015Privately operated, serving borrowers online

  • Transparent flat pricingFrom $0, with scope shown before purchase

  • No FSA passwordFedRepay never asks for your credentials

  • You stay in controlYou make every final submission

Every federal path,
compared honestly

You see the available paths, estimated payment scenarios, important tradeoffs, and next steps before you act.

Independent student loan guidance

A student loan advisor should do more than repeat information you already found online. FedRepay provides federal student loan help that connects your loans, income, family, employment, deadlines, and goals into one understandable decision.

Start with the free assessment, receive an immediate service recommendation, and decide whether you want a Strategy Session, a complete written Roadmap™, annual recertification help, or a free federal resource.

When information is not enough

Called your servicer and still do not know what to do?

More information does not always create a clearer decision. A servicer can explain account details, and StudentAid.gov provides free federal tools, but you still have to connect the rules to your own loans and life.

Your screen may be full of repayment tabs. Your notes may contain different answers from different calls. Meanwhile, the same question remains:

“Which path actually makes sense for me?”

Confusion is not a character flaw. Federal student-loan rules can involve loan types, disbursement dates, income, family size, employment, consolidation history, and changing program requirements. Wanting someone to organize that information before you make a long-term decision is responsible.

Your screen

Your screen may be full of repayment tabs.

Your notes

Your notes may contain different answers from different calls.

The question

Which path actually makes sense for me?

Illustrative scenario

A written sequence of next steps.

  • FedRepay compares the relevant options
  • Organizes the assumptions
  • Turns the decision into a written sequence

Illustrative scenario

A public-service employee leaves a servicer call with three possible repayment paths and no clear recommendation. FedRepay compares the relevant options, organizes the assumptions, and turns the decision into a written sequence of next steps.

The value is not a promised outcome. It is the difference between guessing and acting from a documented plan.

Here is where the process becomes simpler

How does independent student loan guidance work?

Independent student loan guidance turns scattered account information into a structured repayment decision. FedRepay follows a clear process while the borrower keeps control of every account and submission.

  1. 01

    Find the right starting point

    Complete the Free Online Fit Assessment in 3–5 minutes. The assessment recommends a FedRepay service or a free resource based on your answers. No phone call is required.

  2. 02

    Choose your level of help

    Select focused strategy guidance, the complete planning and implementation-support package, annual recertification help, or a custom complex-case scope. Pricing and deliverables are visible before you proceed.

  3. 03

    Review the complete situation

    After the service scope is confirmed, FedRepay provides a document checklist and the designated submission instructions. FedRepay then reviews the agreed federal-loan, payment, household, employment, goal, and deadline information before the meeting.

  4. 04

    Receive a written path forward

    Meet to compare the relevant options and tradeoffs. Depending on the service, you receive a FedRepay Strategy Summary or personalized FedRepay Roadmap™, followed by the included support period.

Find My Best FitImmediate recommendation. No sales call required.See the complete FedRepay process

Every option has a defined price, scope, deliverable, and support period

Which FedRepay service fits your situation?

The right service depends on whether you need a direction, an implementation framework, annual review, or complex records analysis. Pricing and deliverables are visible before you proceed.

Start here · Free Online Fit AssessmentNot sure where to begin?Get an immediate service-fit recommendation in 3–5 minutes. No consultation, phone call, credit card, or personalized repayment analysis is required. Best for: Anyone unsure where to begin.$0
Most completeImplementation support

Complete FedRepay Plan

$495

Get everything in the Strategy Session, plus a personalized FedRepay Roadmap™, application guidance, document and submission review, checklists, a deadline calendar, and 60 days of support.

What you receive

  • Everything in the Strategy Session
  • A personalized FedRepay Roadmap™
  • Application guidance
  • Document and submission review
  • Checklists and a deadline calendar
  • 60 days of support

Best for: Borrowers who want a decision framework and help preparing to implement it.

  1. Strategy
  2. Roadmap™
  3. Review
  4. 60-day support
See the Complete FedRepay Plan

Student Loan Strategy Session

$295

Receive pre-meeting analysis, an approximately 60-minute strategy meeting, estimated repayment scenarios, a written FedRepay Strategy Summary, and 14 days of email questions.

Best for: Borrowers who want individualized guidance before making a decision.

Scope boundary: No application, document, implementation, paperwork, or submission review.

Explore the Strategy Session

Annual IDR Recertification

$149

Review the current plan, updated income, family size, relevant changes, estimated payment, deadlines, and borrower-completed recertification before submission. Includes 14 days of support.

Best for: Existing borrowers approaching their annual recertification.

Review Annual IDR Recertification

Custom scope

Complex Case Planning

Receive everything in the Complete Plan plus additional research, meetings, expanded written analysis, longer support, and a custom scope for record-heavy or unusual situations.

Best for: Multiple borrowers, extensive Parent PLUS analysis, complicated PSLF history, servicer disputes, missing records, transfers, or multiple servicers.

Starting at

$695

Understand Complex Case Planning

Compare every deliverable side by side on the FedRepay pricing page

Written decision support

What makes FedRepay different?

FedRepay combines repayment analysis with written decision support and clearly defined implementation guidance. The service is designed for everyday federal borrowers, not only high-income professionals or people with six-figure balances.

  1. 01

    A recommendation you can understand

    FedRepay explains why a path fits, what assumptions affect it, which alternatives remain available, and what tradeoffs deserve attention. The goal is a decision you understand, not an instruction you follow blindly.

  2. 02

    A roadmap you can use

    The Complete FedRepay Plan turns the recommendation into a tangible FedRepay Roadmap™. It organizes your current situation, recommended strategy, alternatives, estimated outcomes, action steps, required documents, deadlines, and support.

  3. 03

    Implementation guidance without account control

    FedRepay explains the relevant application, reviews borrower-completed documents within the purchased scope, and checks for obvious missing or inconsistent information.

  4. 04

    An honest answer, even when it is free

    Federal applications and servicer assistance are available free. If the Fit Assessment indicates that a free StudentAid.gov resource is the appropriate next step, FedRepay can recommend that path instead of forcing a paid service.

You retain your FSA credentials, control your account, and make the final submission.

Explore federal repayment plans Why borrowers choose FedRepay

Proof and transparency

What can you verify before you pay?

FedRepay replaces inflated promises with facts you can check before purchasing. The company does not publish unverified customer totals, savings claims, ratings, or forgiveness figures.

01Founded in 2015

Defined history and ownership

FedRepay was founded in 2015 by Robert Garcia. The company is privately operated and serves federal student-loan borrowers online.

02Scope explained before purchase

Published prices and deliverables

The Free Online Fit Assessment costs $0. Paid services are listed at $149, $295, $495, and starting at $695, with the scope explained before purchase.

03Written Strategy Summary

Written work, not just a conversation

The Strategy Session includes a written Strategy Summary. The Complete Plan includes the structured FedRepay Roadmap™, document checklists, a deadline calendar, and 60 days of support.

04No FSA password

Clear security boundary

FedRepay never asks for an FSA password and does not take control of a borrower’s StudentAid.gov or servicer account. Do not send credentials or sensitive documents through an open email, text message, or public website field.

05Human response

A response window you can measure

Direct questions received by 3:00 p.m. Arizona time receive a human response the same business day. Later inquiries receive a response by the next business day.

“Confusion is not a character flaw.”

Meet Robert Garcia

FedRepay was founded in 2015 by Robert Garcia. Wanting someone to organize that information before you make a long-term decision is responsible.

Learn why he founded FedRepay

Frequently asked questions

Frequently asked questions about FedRepay

Straight answers about scope, security, and cost.

See all frequently asked questions
01What does a student loan advisor do?

A student loan advisor reviews the borrower’s loans, repayment history, income, family, employment, goals, and deadlines to compare relevant paths and explain their tradeoffs. FedRepay provides education and decision support. It does not control federal eligibility, payment calculations, processing, discharge, or forgiveness decisions.

02Is FedRepay part of the government or my loan servicer?

No. FedRepay is a private, independent education and assistance company. It is not affiliated with the U.S. Department of Education, Federal Student Aid, any federal loan servicer, lender, guaranty agency, or government entity. Federal applications and servicer assistance remain available free of charge.

03Why pay FedRepay when StudentAid.gov and servicers are free?

Clients pay FedRepay for individualized comparisons, written planning, defined preparation support, document review within the purchased scope, organization, and follow-through. Free federal resources remain valuable. FedRepay is designed for borrowers who want help connecting general rules to their actual situation and next steps.

04Can FedRepay lower my payment or get my loans forgiven?

FedRepay can compare legitimate federal repayment paths and explain options that may affect a monthly payment or forgiveness progress. It cannot guarantee eligibility, payment amounts, processing time, account corrections, discharge, savings, or forgiveness. Those decisions depend on current program rules, borrower facts, and the authorized decision-maker.

05Will FedRepay log in or submit forms for me?

FedRepay will never request your FSA password or take control of your account. Under the Complete Plan, FedRepay can explain the relevant application and review borrower-completed documents within the agreed scope. You make the final submission through StudentAid.gov or the appropriate official channel.

06How much does FedRepay cost?

The Free Online Fit Assessment costs $0. The Student Loan Strategy Session costs $295, the Complete FedRepay Plan costs $495, Annual IDR Recertification costs $149, and Complex Case Planning starts at $695. Additional complex work requires a written scope and price.

Your next step

Ready to stop guessing about your student loans?

A clearer repayment decision can begin before you schedule a call. Complete the free assessment, see which level of student loan repayment help fits your situation, and decide what you want to do next.

Find My Best FitCall or text 602-377-6626

$0 · Takes 3–5 minutes · No phone call · No credit card

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