Student loans
Student loan rules have changed. Is your plan still right?
New federal repayment rules started in 2026, and a lot of people aren't sure what applies to them. We'll connect you with a student loan specialist who can explain it in plain words. Ledgerlane isn't affiliated with the U.S. Department of Education.
Check my loans →- ✓ No credit pull
- ✓ No obligation
- ✓ No upfront fees
This may fit if
You were on the SAVE plan and need to choose a new repayment plan.- You work for a government agency or nonprofit and want to understand Public Service Loan Forgiveness (PSLF).
- You owe $10,000 or more and aren't sure your current plan still fits.
- You have private student loans and good credit, and want to see if refinancing could help.
It may not be right if
- You're comfortable handling the forms yourself. You can apply for federal plans free at StudentAid.gov.
- You're still in school or in your grace period. There's usually nothing to change yet.
- You have federal loans and are thinking of refinancing them privately. That gives up federal plans and PSLF for good.
How it works
- 1
Answer a few quick questions
Tell us what kind of loans you have, roughly what you owe and where you work. It takes about a minute and doesn't pull your credit.
- 2
Talk with a student loan specialist
If there may be a better fit for your loans, a student loan specialist can review them with you in a short call.
- 3
You decide
There's no obligation. You can take what you learn and apply on your own at StudentAid.gov, or choose optional paid help.
Good to know before you start
Federal plans are free to apply for
You can apply for repayment plans, consolidation and PSLF yourself, for free, at StudentAid.gov. Our partners offer optional paid help with the paperwork.
We're not the government
Ledgerlane isn't affiliated with the U.S. Department of Education or your loan servicer. Keep making payments to your servicer as usual.
No upfront fees
We only work with partners that charge no upfront fees. If anyone asks you to pay before they've done the work, that's a red flag.
Consolidating isn't always better
Since July 1, 2026, consolidating creates a new loan that can lose access to some older repayment plans. A specialist should explain the trade-off before you do it.
Questions people ask
Is Ledgerlane part of the Department of Education?
No. Ledgerlane is a private company and isn't affiliated with the U.S. Department of Education or any loan servicer. We connect you with independent student loan specialists.
What happened to the SAVE plan?
SAVE ended in 2026. Borrowers who were on it need to choose another plan, and anyone who doesn't may be placed on a standard plan. A specialist can walk you through the choices, or you can compare them at StudentAid.gov.
What is the Repayment Assistance Plan (RAP)?
RAP is a new federal income-driven plan that started on July 1, 2026. Your payment is based on your income and family size, and it counts toward PSLF.
I have Parent PLUS loans. Can you help?
Parent PLUS loans have fewer options under the 2026 rules. You can still check, and we'll send you a plain guide to what's changed.
Should I refinance my federal loans?
Be careful. Refinancing federal loans with a private lender means giving up federal repayment plans and PSLF. It can make sense for some private loans, but it's a one-way door for federal ones.
Do I have to pay anything?
Checking with us is free. Federal plans are free to apply for at StudentAid.gov. Some partners offer optional paid help, and none of them charge upfront fees.
See which repayment options you may qualify for
A few quick questions, about a minute, no credit pull. Not affiliated with the U.S. Department of Education.
Check my loans →Not affiliated with the U.S. Department of Education. You can apply for federal repayment plans, consolidation and Public Service Loan Forgiveness yourself for free at StudentAid.gov. We only work with partners that charge no upfront fees.