Student Loan Rescue emblemStudent Loan Rescue

Pricing

You're about to make a 10-year decision on a servicer's deadline. The free tier decodes the bill; the $29 Rescue Kit prices every plan side by side and hands you the letters; Guardian ($9/mo) keeps the recertification trap from springing. For scale: debt-relief companies commonly charge $500–$1,500 upfront for the same free-to-file federal paperwork.

The math the servicer won't show you

Pick a plan $150 a month more expensive than the one you qualified for and the standard 10-year cost grows by $18,000 (illustrative: $150 × 120 months). A missed recertification can push you into worse terms on top of that. These are illustrative figures, not verified outcomes — the free profile computes the numbers from your own loans, income, and household size.

Free

$0forever

Decode the bill before you pay anything — profile, timeline, payment ranges, no card.

  • ✓Loan profile: unlimited loans, all types (Direct, FFEL, Parent PLUS, Perkins)
  • ✓Default timeline preview dated from your first missed payment
  • ✓Plan payment ranges (IBR / ICR / Standard / forbearance cost)
  • ✓Do-nothing consequence summary (garnishment, offset, no statute of limitations)
  • ✗ Full itemized report
  • ✗ Servicer letters (.docx)
  • ✗ Deadline tracking
  • ✗ Reminders
Start free

Rescue Kit

Most popular

$29one-time

The decision, made with math — plus the paperwork to execute it. If it moves you one plan cheaper, it's paid for many times over.

  • ✓Everything in Free
  • ✓Full plan-comparison report: exact monthly payment, total cost, and basis for every plan
  • ✓All five servicer letters as .docx (status mismatch, IDR cover, hardship forbearance, rehabilitation, Ombudsman)
  • ✓Deadline tracker: pre-default notice, rehabilitation windows, recertification
  • ✓Default-risk profile with garnishment-vs-IDR quantified comparison
  • ✓Case panel: communication log for escalation documentation
  • ✓15 letter-generation runs included (regenerate as your facts change)
  • ✗ Deadline reminders
  • ✗ Recertification countdown
  • ✗ Unlimited regeneration
Get the Rescue Kit

Guardian

$9per month

The deadlines, watched — so a missed recertification can't quietly move you to worse terms.

  • ✓Everything in the Rescue Kit
  • ✓Deadline reminders with warning dates on every tracked item
  • ✓Annual recertification countdown
  • ✓Unlimited letter regeneration — every status change, re-issued instantly
  • ✓Policy-change brief notes when seeded rules are re-verified
Go Guardian
Not affiliated with the U.S. Department of Education or any loan servicer. Figures on this page are illustrative until the operator verifies the seeded policy values — verify current policy values on studentaid.gov. Payments are processed by Stripe. The Rescue Kit is a one-time purchase; Guardian is a monthly subscription you can cancel any time via the customer portal. See our refund policy, terms, and privacy policy. Nothing in this product is financial or legal advice, and no outcome — including forgiveness — is promised or implied.