Last updated: October 2026
Everything on RepayWise — articles, the repayment-plan quiz, and the $39 Survival Kit — is general educational information about federal student loans. It is not financial advice.
Reading this site, taking the quiz, or buying the Survival Kit does not create any professional or client relationship with us.
Repayment plans, forgiveness programs, and Department of Education rules change over time. A rule described on this site may have changed since the page was last updated. Always verify current program terms at StudentAid.gov or with your loan servicer before acting.
The right repayment choice depends on your balance, income, career plans, family situation, and goals. Examples on this site are illustrative, not predictions of your outcome.
We explain repayment options honestly, but no information on this site guarantees any savings, forgiveness, or loan outcome.
Before making student loan decisions, consider consulting a qualified financial professional about your specific situation. Free help is also available through your loan servicer and StudentAid.gov.