Federal student loan help — $99/year add-on, either plan

Lower Your Student Loan Payment.
Build Credit at the Same Time.

Borrowers who move to an income-driven repayment (IDR) plan often free up monthly cash flow — and pairing on-time payments with rent reporting can help your credit profile over time. Powered by Array, our student loan guidance partner. Eligibility and results depend on your individual situation.^*

Choose a plan to get started

^*Educational only — not legal, tax, or financial advice. We help you compare options and prepare paperwork; you file with your loan servicer.

How It Works

A three-step path from where you are to lower payments + better credit.

Step 1

Review Your Options

Array’s guidance service reviews your federal loans and identifies the income-driven repayment, PSLF, and consolidation options you may qualify for.

Step 2

See the Numbers

Compare what each option could mean for your monthly payment before you decide anything. No obligation.

Step 3

You File, You Build

You submit your chosen plan to your loan servicer (we can pre-fill the paperwork). Keep paying rent on time and your on-time history keeps reporting.

What the $99/year add-on includes

A standalone add-on you can attach to either plan. You file with your servicer — we provide the tooling and guidance, not loan servicing.

Included in the add-on

Expert loan review

Array’s guidance service reviews your federal loans — income-driven repayment, PSLF, and consolidation options you may qualify for. No loan balance or servicer login collected by us.

Included in the add-on

Comparison, forms & yearly recertification

We compare IDR options and prepare the pre-filled forms for you to submit to your loan servicer, then help with the federally-required IDR recertification each year. You file with your servicer — we provide the tooling and guidance, not loan servicing.

$500 Savings Guarantee

Save at least $500 in your first year — or your $99 back.

If the repayment plan you enroll in through Student Loan Aid doesn’t lower your scheduled federal student-loan payments by at least $500 over your first 12 months, we refund the $99 add-on in full. You file a claim from your dashboard; we verify and refund.

Measured as the reduction in your scheduled payments over 12 months. An income-driven plan can lower your monthly payment while increasing the total interest you pay over the life of the loan. Eligibility and savings depend on your individual situation. See the full $500 Savings Guarantee terms.

Who is this for?

Federal student loan borrowers (Direct, FFEL, Perkins) who want to understand whether an income-driven repayment plan could lower their monthly payment. The guidance tool — powered by Array, our student loan guidance partner — walks through your loan type, income, and family size before you decide anything. You can explore your options without affecting your credit or committing to a plan.