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.
Legacy Repayment Plans Are Being Eliminated. Act Before It’s Too Late
A massive shift is underway in federal student loan repayment, and if you don’t act before June 30, 2026, you could lose access to the repayment plans that offer the lowest payments and the highest forgiveness potential.
The recently passed “One Big Beautiful Bill” will permanently eliminate all legacy income-driven repayment (IDR) plans by June 30, 2026. This means:
If you’re not already in a legacy IDR plan (like IBR, PAYE, or REPAYE)
you won’t be able to enter after that date.
If you’re in one now and fall out due to a missed recertification
you can’t get back in.
If you switch to another plan or make the wrong move
you’re locked out permanently.
Your only options will be the new Plan (RAP) or Standard Repayment
both of which will likely cost you far more.
This is what we call a Roach Motel: you can check out of your legacy plan, but you can never check back in.
For most borrowers, the new RAP is a terrible deal compared to legacy IDR plans. Once these older plans are sunset, there’s no going back. And if you make even a minor mistake, like missing your annual recertification, you could permanently lose your best repayment options.
Student Loan Tutor is ranked 5.0 stars on the Better Business Bureau, Facebook and Google.
Lock in Your Legacy Plan While You Still Can
At Student Loan Tutor, we specialize in guiding borrowers through this complex and time-sensitive process.
We will:
Identify the best repayment strategy for your situation
Ensure you're placed (and stay) in a legacy IDR plan
Handle your paperwork, applications, and follow-ups
Help you pay as little as possible and maximize loan forgiveness
We’ve helped more borrowers save more money on their federal student loans than any other company in the country — and we’ve been doing it for over a decade. But due to high demand, our calendar is filling fast.
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.
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.
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.
5/5 stars. Established 2015.
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.
Comprehensive strategies tailored to individual needs
Expert guidance through the complex loan system
Hassle-free paperwork and follow-up services
Error resolution and deadline assurance
We optimize your finances with timely, accurate annual recertification
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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.
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."
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.
Ready to take control of your student loans? Schedule a free evaluation.
Book your free 15-minute evaluation and let us determine if we can help you qualify for a strategy that protects your repayment plan, lowers your payments, and leads to maximum forgiveness.
