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 Department of Education has been sending notices since July 1.
Once you receive yours, you'll have a 90-day window to choose a new plan, or you'll be automatically placed on a 25-year standard repayment schedule with a payment that could be hundreds or thousands of dollars higher per month.
If you do nothing, your payment could skyrocket!
When borrowers panic about rising payments, many consider refinancing their federal loans with a private lender.
Refinancing permanently converts your federal loans into a private loan. You can never go back.
Here's everything you give up the moment you sign:
- Loan forgiveness
- Income-driven repayment
- $0/month payment eligibility
- Administrative forbearance
- Economic hardship & unemployment deferment
Income-driven repayment keeps your payments low, sometimes as low as $0/month, and at the end of your repayment term, the remaining balance is forgiven.
When you add up everything you actually paid, plus account for the tax on the forgiven amount, most of our clients who borrowed $100,000 end up paying back less than $100,000 total.
That means their effective interest rate on the original loan is 0% - or below. No private lender on the planet will offer you a negative effective interest rate.
Refinancing permanently removes you from federal forgiveness programs and trades that outcome for a conventional loan you'll pay back in full, with interest.
Income-Based Repayment (IBR) is the right move for most high-balance borrowers. We've already switched thousands of our existing clients over.
Payments tied to your income, not your balance. Similar outcome to SAVE for many borrowers.
Standard Repayment plan is a full payoff amount between 10-25 years, so payments will increase dramatically
Get processed before 7 million borrowers flood the system. We're booking about a month out.
Redirect the money you'd waste on overpayments into compounding investments that outgrow the loan.
We don't give you advice and send you off. We take over the entire execution so you never have to deal with the paperwork, the hold times, or the confusion.
We review your current loan status, balance, and income to find the exact right plan for your situation.
We prepare and file all the documents - every renewal, every recertification, every fine-print detail, between now and forgiveness.
We calculate exactly when your forgiveness event happens and build a tax strategy so the "tax bomb" doesn't catch you off guard.
We show you how to redirect what you were losing to debt service into investments that build real wealth over 20–25 years.
While most borrowers are taught to aggressively pay down high-balance federal student loans, our proven strategy (trusted by over 1,000 financial advisors since 2015) turns your debt into a legal wealth-building loophole.
Over 20–25 years, these funds grow into a significant nest egg that not only covers the eventual "tax bomb" at the moment of forgiveness but often leaves our clients (including physicians, lawyers, and business professionals) with hundreds of thousands of dollars in net profit.
Most people haven't heard of this because it requires the high-level debt architecture we’ve spent a decade perfecting, allowing you to stop servicing your debt and start building a legacy.
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 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.
Yes. Following the One Big Beautiful Bill (2025) and subsequent court rulings, the SAVE plan is being phased out entirely. Servicer notices go out starting July 1, 2026.
No. Time in the current SAVE administrative forbearance does not count toward the 20–25 years needed for IDR forgiveness or the 120 payments required for PSLF. Only payments on an active plan count.
Yes, though thresholds have changed. IBR and the new Repayment Assistance Plan (RAP) both offer income-based payments. Our specialists run the numbers to find the lowest legally possible payment for your specific income and balance.
You can - but your interest keeps accruing with zero forgiveness credit in the meantime, and you'll be submitting paperwork alongside millions of other borrowers when servicer systems are overwhelmed. We're already a month out on bookings. Acting now puts you ahead of all of that.
Almost certainly not. Federal income-driven repayment can deliver an effective rate below 0% once forgiveness is factored in. No private lender comes close. Refinancing permanently removes you from federal programs. Call us before signing anything with a private lender.
Our specialists will
Review your current loan status & history
Run numbers for your specific income & loan balance
Show you exactly how a strategy would look over 20–25 years
Calculate potential forgiveness and tax impact
Estimate how much wealth you could build instead of losing that money to debt
Don't wait for the payments to explode or the system to crash.
See exactly how low your payments can go and get back to accumulating wealth.
Student Loan Tutor helps borrowers evaluate these moving pieces as part of a personalized student loan strategy. Visit studentloantutor.com to learn how your tax decisions and repayment choices could affect your path toward student loan forgiveness.
The strategy outlined in this page is designed to help you save on federal student loans and work towards forgiveness. Please be aware that the federal student loan landscape is subject to change. Adjustments to this strategy may be necessary with evolving regulations and policies, and by working with us, you can be confident that you are leveraging expert guidance to ensure you are always on the best path to maximize your student loan forgiveness. The contents of this page are the property of Student Loan Tutor. This message may contain an advertisement of a product or service. Student Loan Tutor does not render legal, tax or accounting advice. Accordingly, you and your attorneys and accountants are ultimately responsible for determining the legal, tax and accounting consequences of any suggestions offered herein. We recommend that you consult with your legal and tax advisers regarding this communication. Student Loan Tutor is not affiliated in any way with the US Department of Education. The estimates contained herein are based on estimates derived from the studentaid.gov federal student loan repayment calculator, taking into consideration repayment plans, federal student loan forgiveness, and tax implications associated with current tax estimates using TurboTax percentages for 2025. Student Loan Tutor accepts no liability for estimates contained herein as a borrower's life circumstances, final submitted documents, student loan law subsidies, loan forgiveness and tax implications can change at any time without any notice and many of these strategies are only recently starting to be realized due to long loan forgiveness terms. A number of factors could drastically change these figures, including but not limited to the following: using forbearance or deferment, missing a recertification, changes in law including but not limited poverty line index, spousal income, income documentation protocol, repayment plans, public service loan forgiveness qualifications, tax law, household size, additional loans, consolidations, refinancing and the COVID-19 Pandemic.
