MyStudentAidApp.com
MyStudentAidApp.com
Compare payments, explore forgiveness options, and contact the right people—fast. Official applications are free at StudentAid.gov.
We’re not the government; we don’t charge for anything here.
IDR estimate uses 225% poverty guideline with 5–10% of discretionary income. Use the official app for precise numbers.
Fast, free, and private. No data is saved.
Estimate monthly payment for a standard plan.
Estimate a range for Income‑Driven Repayment.
Work full‑time for government or a qualifying 501(c)(3)? PSLF may forgive your remaining balance after 120 qualifying payments.
Open PSLF Help ToolLower payments based on income & family size; forgiveness after 20–25 years of qualifying payments (plan‑dependent).
Apply / RecertifyOpen an account at StudentAid.gov. Keep your username & password safe.
Create FSA ID →Compare grants, work‑study, and loans. Only borrow what you need.
Complete loan counseling and sign the Master Promissory Note.
Start counseling →| Organization | Phone | Website |
|---|---|---|
| Federal Student Aid (FSAIC) | 1‑800‑433‑3243 | Visit → |
| Default Resolution (collections) | 1‑800‑621‑3115 | Visit → |
| MOHELA (Direct Loans / PSLF) | 1‑888‑866‑4352 | Visit → |
| Aidvantage (Maximus) | 1‑800‑722‑1300 | Visit → |
| Nelnet | 1‑888‑486‑4722 | Visit → |
| Edfinancial | 1‑855‑337‑6884 | Visit → |
| ECSI (Perkins) | 1‑888‑549‑3274 | Visit → |
Yes. Apply at StudentAid.gov—no fees. Avoid third‑party “help” services that charge.
If cash is tight, IDR may lower payments. To minimize interest, the Standard 10‑year plan is often best. Compare using the calculators above.
Private refinancing may reduce rates but forfeits federal protections (IDR, PSLF, forbearance). Consider carefully.
Log in at StudentAid.gov to see “My Loan Servicers,” or call 1‑800‑433‑3243 for help.