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.

Avoid Going Delinquent on Your Federal Student Loans

We help federal student loan borrowers stay current, out of default, qualify for loan forgiveness and, avoid surprise tax bills, often with $0 monthly payments.

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Lower Payments. Faster Forgiveness.
Zero Guesswork.

We help federal student loan borrowers save tens of thousands — many times over $100,000 — in total repayment.

Lower your monthly payments (even to $0 in many cases)
We review your income and household situation to lock in the lowest possible legal payment—sometimes as low as $0/month—so you can stay current and avoid default.

Avoid or resolve delinquency and default
If you’re already behind, we help you get back into good standing through proven strategies like consolidation and income-driven repayment. If you're not yet delinquent, we’ll make sure you never get there.

Qualify for income-driven repayment plans
We walk you through the process of applying for or re-certifying the right repayment plan, so you stay protected even if your income changes.

Maximize loan forgiveness
We build a long-term plan to minimize your total repayment and help you qualify for loan forgiveness programs—while avoiding costly missteps that could disqualify you.

Prepare for taxes after forgiveness
Forgiven loans may be taxed as income in the future. We calculate your projected tax liability in advance and help you plan so it’s never a surprise.

Why Act Now?

Falling behind on your federal student loans isn’t just a small hiccup—it can snowball into major financial consequences.

Wage Garnishment, Seized Tax Refunds, and Social Security Offsets
Once you enter default, the government can—and will—collect without your permission.

Your Credit Score Will Drop—Fast
Even a few missed payments can cause a significant credit score drop. Defaulting is worse and stays on your record for up to 7 years.

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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.

How We Help You

At Student Loan Tutor, we handle the entire process for you, from paperwork to consolidation, ensuring you maximize your savings with minimal hassle. Our team has extensive experience and a proven track record of helping clients just like you transform their financial futures.

Expert Guidance
We'll coach you on how to minimize your payments and work toward complete loan forgiveness.

Seamless Process
We take care of all the paperwork, saving you time and stress.

Financial Planning
Our financial advisor partners will assist you in planning for any tax implications, ensuring you're fully prepared.

The Industry Leader

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 over $500 million in student loan debt, we are dedicated to helping borrowers like you achieve financial freedom.

Why Borrowers Choose Us

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.

Our Reputation

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.

How Student Loan Tutor Works

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.

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5/5 stars. Established 2015.

Our Services

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

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Read our Most Recent Publications

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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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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Here Are 8 Money Resolutions Every Person With Student Loans Should Make

December 18, 2023

Zack Geist said that federal student loans are almost always mismanaged and there is a crucial need for more access to the proper information and support to manage student loans. “Similar to how taxpayers seek guidance from trained and licensed tax professionals to ensure accurate tax filings and prevent overpayment, you should consult with a professional regarding your student loans,” added Geist.

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Ready to take control of your student loans? Schedule a free evaluation.

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