Disclaimer: Student Loan Tutor is an independent business. We are not affiliated with and do not work for the US Internal Revenue Service (IRS) or the Department of Education. We are not a collection agency. All services are provided at the direction of our clients.

The Smarter Way to Repay Federal Student Loans

Helping over 10,000 borrowers since 2015

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The 5 star Student Loan Advisor

Student Loan Tutor is ranked 5.0 stars on the Better Business Bureau, Facebook and Google.

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Ditch the Headache. Save Money.

The smarter way to repay high balance student loans is by working with Student Loan Tutor. Get on the path to low monthly payments, overall savings of $100k or more and a paperwork free future. Learn more by scheduling a free evaluation with one of our professionals.

Schedule A free Evaluation

How Student Loan Tutor Works For You

Student Loan Tutor does what you wish your servicer did. We treat your loans as if they were ours. For a fee for service your Tutor will craft a custom repayment strategy that navigates the system to save you the most money allowable. We then handle all of the paperwork and servicer follow up to ensure servicer errors are corrected and deadlines are met. As your financial situation evolves and new laws develop we’ll make sure you’re always on track for the greatest possible savings.

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Find the Best Repayment Program

When you speak with a Tutor, they’ll show you the cost of each repayment program and which one will save you the most money.

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Forget About Paperwork

After crafting your ideal repayment strategy, we’ll complete all paperwork and deadline followups. It literally couldn’t be easier.

See What Our Clients Say

Hear from our clients about how we’ve helped them navigate the complexities of student loans. Read their testimonials to see the real impact we’ve made in reducing financial stress and achieving loan success.

“I used to pay $2,400 a month, now I pay ZERO”

- Michaela Edwards, DC

Saved me over $150,000 on my loans. They take the time to answer ALL your questions, and do almost every single part of the process FOR YOU, so you don’t have to stress out about making a small mistake that could cost you tons of money. I feel like they lifted a small elephant off my back. Thank you!”

- Lauren Buckley

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Find Us in the Press

Explore our press articles, featuring expert insights from our founder, Zack Geist. As a contributor to Forbes, Yahoo! Finance, and Bloomberg Tax, Zack shares valuable advice on the latest in Student Loans.

Better Wealth

Meet The Man Who Erased $1 Billion In Student Loans

October 31, 2024

Catch Our Latest Podcast Feature on Better Wealth! Since 2015, we’ve saved our clients close to $1 billion on student loans. Our founder, Zack Geist, joined Caleb on the Better Wealth show to reveal strategies for navigating the maze of federal student loans, unlocking ways to minimize debt, and even achieving effective 0% interest rates.

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Forbes

To Refinance Or Not To Refinance: Student Loan Debt’s Age-Old Question

January 4, 2024

"The fact that borrowers don’t have access to reliable and accurate information about their student debt is at the heart of the student loan crisis. Federal student loan benefits, public service student loan forgiveness, income-driven repayment plans and how to navigate them and student loan forgiveness have been a complicated mess for student loan borrowers to navigate since their inception."

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Check Out Our Blog

The constantly changing terrain of student loans can be overwhelming. Check out our blog posts to stay up-to-date on what is going on in the student loan world.

How to Recalculate Your Student Loan Strategy After Major Life Changes

January 26, 2026

Major life changes can impact your student loan repayment options, making it important to reassess your strategy. Reviewing your plan helps ensure affordability, protect forgiveness progress, and avoid unnecessary costs...

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The Long-term Cost of Short-term Relief: Evaluating Forbearance vs. Income-Driven Plans

January 19, 2026

Comparing student loan forbearance and income-driven repayment plans? Here we explain how each provides short-term relief but differs significantly in long-term cost and forgiveness eligibility. See which route is a more sustainable strategy for borrowers facing ongoing financial challenges...

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When Switching Repayment Plans Makes Sense and When It Backfires in 2026

January 12, 2026

Switching student loan repayment plans in 2026 can help when income or goals change, but it can backfire without a clear strategy. Thoughtful planning helps borrowers balance affordability, flexibility, and long-term costs.

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