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.
No Refinancing Required. Save Thousands with the New SAVE Plan.
At Student Loan Tutor, we make it possible for 100% of our clients to realize a 0% effective interest rate on their federal student loans.
With the latest changes in higher education reform and the introduction of the new SAVE Plan, our expert guidance ensures you don’t have to worry about accruing interest.
When discussing debt, the interest rate is typically the most important number to consider because it determines how much the debt will cost over time. However, federal student loans work differently. Most people know their stated interest rate — the number the bank or loan servicer offers when you get your loan. For instance, you might know your student loan has a stated interest rate of 6.8%.
Here comes the twist: When you enroll in an income-driven repayment program through the Department of Education, you can qualify for loan forgiveness after 20-25 years (or less, depending on your situation). Many people can also qualify for a low or $0 monthly payment, even working professionals with significant incomes. This means what your loan ends up costing you in total will likely be much less than if you treated it as a traditional loan. This is what we call your ‘effective interest rate’.
For most of our clients, their effective interest rate is considerably lower than the stated interest rate. Recently 100% of our clients realize a 0% effective interest rate, resulting in no additional interest accrual on the loans for that year, even if the stated rate is much higher.
Student Loan Tutor is ranked 5.0 stars on the Better Business Bureau, Facebook and Google.
Achieve a 0% effective interest rate or pay us nothing.
If we cannot help you secure an effective 0% interest rate, you owe us nothing.
Join thousands of satisfied clients who have saved almost a billion dollars collectively on their federal student loans since 2015.
We charge a fee for service. It only makes sense to hire Student Loan Tutor to manage your student loans if it saves you a considerable amount of money, both immediately and over the life of the loan.
Your initial $150 fully refundable deposit for future services is due at the time of your initial 90-minute planning call. If we are unable to help, and we cannot show you how you can achieve a 0% interest rate, this is refunded after the call.
If you decide to move forward, that $150 applies to our total fee for service.
"At the end of the day, your effective interest rate is a tool you'd be wise to use to navigate your financial journey. It can significantly impact your financial reality and open up new opportunities for investment and growth."
-Zack Geist, Founder and CEO of Student Loan Tutor
Student Loan Tutor is the industry leader in strategy implementation and document processing for federal student loans.
With over 10 years of experience and a track record of helping over 10,000 individuals free up close to a billion dollars in student loan debt, we are dedicated to helping borrowers like you achieve financial freedom.
Our expertise lies in tailoring student loan repayment strategies.
We help clients redirect their money towards wealth accumulation, retirement planning, and business investments, rather than conventional debt servicing.
We are maintaining a flawless record with Trustpilot and an A+ accreditation with the Better Business Bureau.
Our founder and CEO, a Forbes, Bloomberg, Yahoo Finance, and Fortune contributor, specializes in federal student loan debt. With a decade of contributions in this niche, he brings unparalleled expertise to our services.
Student Loan Tutor does what you wish your servicer did. 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.
5/5 stars. Established 2015.
Full-Service Student Loan Planning
Comprehensive strategies tailored to individual needs
System Navigation
Expert guidance through the complex loan system
Document Preparation
Hassle-free paperwork and follow-up services
Servicer Follow-Up
Error resolution and deadline assurance
Annual Recertification
We optimize your finances with timely, accurate annual recertification
Sign up now for a free evaluation call to see if you qualify for a 0% effective interest rate on your federal student loans.
Our student loan repayment experts are ready to assist you.
