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Confused About Your Student Loan
Payment Options?
Review available repayment,
consolidation, and
assistance options based on your loan type, income, and current status.
Review income-driven repayment and alternative payment options.
Get information about consolidation, hardship, default, or collections situations.
Public-service workers may review possible PSLF-related pathways.
Were you enrolled in the SAVE Plan?
SAVE is ending, and many borrowers may need to review other repayment options.
Check what information may apply to your situation.
Start Your Free Review
Complete the form below. LoanFix may connect you with an independent service provider.
Student Loan Rules Are Changing Fast
Borrowers who were on SAVE, income-driven repayment, deferment, forbearance, or default status may need to review what options are available now.
LoanFix helps collect basic information about your loan situation so you can review possible next steps or be connected with an independent provider.
Federal, private, or mixed student loan situations
Current, behind, default, or collection status
Public-service, nonprofit, government, or private employment
Important Student Loan Disclosures
LoanFix is an education and referral website. We are not the government, your loan servicer, or a lender.
Not the Department of Education
LoanFix is not affiliated with the U.S. Department of Education or Federal Student Aid.
Not Your Loan Servicer
We are not your loan servicer and do not control your loan account.
Free Government Access
Federal student loan programs may be available for free through StudentAid.gov.
Referral Service
We may connect you with an independent service provider for additional help.
What Situation Best Describes You?
Different borrowers may have different options depending on loan type, income, employment, and payment status.
Student Loan Payment Review
Confused about repayment, consolidation, or assistance options? Start with a review based on your loan type, income, and current status.
Were You Enrolled in the SAVE Plan?
SAVE is ending, and many borrowers may need to review other repayment options. Check what information may apply to your situation.
Need a More Affordable Student Loan Payment?
Some borrowers may qualify for income-based or alternative repayment options. Start with a free payment review.
Behind on Student Loans or Worried About Collections?
Find out what repayment, rehabilitation, consolidation, or hardship options may be available before collection activity gets worse.
Work in Public Service?
Teachers, nurses, government workers, nonprofit employees, and public-service workers may have special repayment or forgiveness pathways.
Have Private Student Loans?
Private student loan borrowers may need to review refinance, hardship, settlement, or alternative payment options.
Program Review Areas
Your review may cover one or more of the following categories.
Income-Driven Repayment Review
Review whether income-based repayment information may apply to your situation.
Consolidation Review
Review whether loan consolidation may be relevant based on your current loan type and status.
Default / Rehabilitation Review
Review possible options for borrowers who are in default or facing collection activity.
PSLF Eligibility Review
Public-service workers may review information related to PSLF pathways and requirements.
Private Loan Refinance Options
Private student loan borrowers may be able to compare refinance or alternative payment options.
Payment Hardship Review
Review hardship-related options if your current payment is difficult to afford.
Start with a free student loan payment review.
No promises. No pressure. Just a review of information that may apply to your situation.
Student Loan FAQ
Clear answers before you submit your information.
Is LoanFix part of the government?
No. LoanFix.us is not affiliated with the U.S. Department of Education, Federal Student Aid, or any loan servicer.
Do I have to pay upfront?
Submitting the LoanFix review form is free. If you are connected with an independent service provider, any fees or service terms should be clearly explained by that provider before you agree to anything.
Can student loans really be forgiven?
Some federal programs may provide forgiveness or discharge in specific situations, but forgiveness is not guaranteed. Eligibility depends on your loan type, repayment history, employment, income, and program rules.
What if I am in default?
Borrowers in default may have options such as rehabilitation, consolidation, repayment arrangements, or hardship-related programs. The right path depends on your loan type and current status.
What happened to the SAVE Plan?
The SAVE Plan is ending, and many borrowers may need to review other repayment options. A review may help identify what information applies to your situation.
Can I do this myself for free?
Yes. Federal student loan programs can be accessed for free at StudentAid.gov. LoanFix may help you review information and may connect you with an independent service provider, but you are not required to use a paid service.