Key Student Loan Consultation
Find your path toward student loan freedom.
Whether you need to fund your education or find the right repayment or forgiveness plan, navigating student loans can be overwhelming — but you don't have to go it alone. The Key Student Loan Consultation is a free service that connects you directly with student loan experts who can answer your questions so you can weigh your options with confidence.
Expert Guidance
Schedule your free one-on-one session with a student loan specialist to understand your repayment or new student loan options.
Tools to Take Control
Keep up with the latest student loan strategies and forgiveness programs through our newsletters and expert-led webinars.
Ongoing Support
Make confident, informed decisions with the help of our student loan experts, available by phone or email.
Explore the right path for your student loans.
Student Loan Refinancing
Compare your student loan refinancing options.
Student loan refinancing may help you save with a lower rate or a shorter term.1 If you have federal or private student loans, a consultation will help you compare your loans against real refinancing rates so you can determine which repayment option is right for you.
Student Loan Forgiveness & Repayment
Get expert guidance on federal forgiveness or repayment.
Schedule a free consultation to learn if you qualify for Public Service Loan Forgiveness (PSLF)2 or how to compare Income-Driven Repayment (IDR) plans. Plus, get ongoing support and insights to keep you informed about federal student loan programs.
New Student Loans
Stress less about funding your education.
Making your education dreams a reality begins with figuring out how to fund them. Our student loan specialists can help you understand how to cover the total cost of attendance including federal aid options and new student loans.
Frequently Asked Questions
For borrowers with federal student loans, or a combination of federal and private loans, our student loan experts can help you weigh your options. During your consultation, a specialist will break down your student loan profile, provide a chart on what your new loan payoff could look like, answer questions about what terms are the best for your unique situation, and answer any application questions you may have. If student loan refinancing is determined to be your best option, they can help you understand what information impacts the interest rate that you might expect to be offered on your loan refinancing. Items such as your FICO score, income level, student loan balance, and current interest rate structure can impact your offer, and your specialist can walk you through how to qualify for the lowest rates on your loans.
Our student loan consultation is designed to help you explore your federal and private student loan repayment options. After submitting your initial consultation form, you’ll receive an email with a link to our secure online portal where you’ll be asked to provide several items to build out your profile so that your consultant can give you the most accurate assessment based on your unique situation. This information will include:
- Types of loans that you currently hold (federal, private, direct, subsidized, unsubsidized, etc.)
- If you have any federal loans, you will be asked to provide the My Aid Data file, which you can obtain via your studentaid.gov account
- The balance and interest rate for each of your loans
- Current payment schedule
- Authorization to conduct a soft credit pull, which will not impact your credit score
Once your profile is complete, you will be able to schedule your free student loan consultation.
Income-Driven Repayment (IDR) was introduced to provide federal student loan borrowers with options other than forbearance to help make monthly payments more manageable. All IDR plans adjust federal borrower’s payments based on their adjusted gross income and family size — not how much they owe. Those pursuing Public Service Loan Forgiveness (PSLF) are typically enrolled in an IDR plan. New IDR plan options will take effect starting on July 1, 2026.
For more information, go to the IDR page on the Federal Student Aid website.
Public Service Loan Forgiveness (PSLF) is a US government program that allows qualifying borrowers employed at nonprofits and government entities to have their Federal Direct Loans forgiven after ten years of qualifying repayment (120 payments total), usually under an Income-Driven Repayment (IDR) plan. To be eligible for the program, you must:
- Be employed by a qualifying nonprofit OR a US government organization at any level (federal, state, local, or tribal) — including US military service
- Work full-time for that agency or organization
- Have Federal Direct Loans (or consolidate other federal student loans into a Direct Loan)
- Be enrolled in a qualifying repayment plan
- Make 120 qualifying payments
For more information, go to the PSLF page on the Federal Student Aid website.
IMPORTANT INFORMATION: Please note that if you refinance qualifying federal student loans, you will no longer be eligible for certain federal benefits or programs and waive your right to future benefits or programs offered on those loans, which may include, but are not limited to, Public Service Loan Forgiveness, Income-Driven Repayment plans, forbearance, or certain forgiveness options granted to Parent Plus borrowers. Please carefully consider your options when refinancing federal student loans and consult www.studentaid.gov for the most current information.
1
Savings vary based on rate and term of your existing and refinanced loan(s). Refinancing to a longer term may lower your monthly payments, but may also increase the total interest paid over the life of the loan. Refinancing to a shorter term may increase your monthly payments, but may lower the total interest paid over the life of the loan. Review your loan documentation for total cost of your refinanced loan.
2
To qualify for Public Service Loan Forgiveness (PSLF), you must be employed by a U.S. federal, state, local, or tribal government or not-for-profit organization (federal service includes U.S. military service); work full-time for that agency or organization; have Direct Loans (or consolidate other federal student loans into a Direct Loan); repay your loans under an income-driven repayment plan; and make 120 qualifying payments. For full program requirements, visit: studentaid.gov/manage-loans/forgiveness-cancellation/public-service.