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Know your options
before you file.

BorrowerBrief analyzes your situation, flags risks, and prepares the right federal form — you review it and submit yourself.

Run the Free Checkup See How It Works

Free to start · Not affiliated with the Dept. of Education

Get Your Strategy in Minutes

How BorrowerBrief Works

From confused to ready to file — in about 10 minutes.

1

Run the Free Checkup

Answer a few guided questions about your loans, income, and goals. No FSA ID or account login required to start.

2

Get Your Recommended Strategy

The system identifies your best repayment path and flags risks — consolidation resets, plan mismatches, forgiveness gaps — before you file anything.

3

Download Your Completed Form

Download your pre-filled federal application. You review, sign, and submit it yourself. Federal forms are always free at StudentAid.gov — we just help you get them right.

Student loans don't break loudly. They break quietly.

Most borrowers don't get into trouble because they're irresponsible. They get into trouble because the system is designed to confuse them.

  • ⚠ Rules change without clear notice
  • ⚠ Servicers make errors you don't catch
  • ⚠ Deadlines shift unexpectedly
  • ⚠ Notices get missed or misunderstood
  • ⚠ Life interrupts compliance

"Most people can figure loans out once.
The problem is they don't stay figured out."

$150/mo Oversight Plan

Ongoing Support, When You Need It

For borrowers who want a steady safety net throughout repayment — not just a one-time fix.

Account Monitoring

Account Monitoring

We watch for status changes, surprises, and red flags . so you hear about issues early, not late.

Deadline Tracking

Deadline Tracking

Recertifications, renewals, required steps. We track them so they don't sneak up on you.

Error Detection

Error Detection

Misapplied payments, wrong statuses, missing steps. We know what to look for.

Notice Translation

Notice Translation

Confusing servicer letters? We tell you what matters, what doesn't, and what to do next.

Servicer Guidance

Servicer Guidance

Scripts, checklists, and what to say. We prepare you so calls go smoothly.

Form Assistance

Form Assistance

Help with FSA form formatting . dates, fields, attachments. You review and submit.

What Gets Reviewed

Every account is different. The review focuses on the items below:

✓ Current repayment plan
✓ Account status
✓ Auto pay setup
✓ IDR recertification date
✓ PSLF tracking (if applicable)
✓ Servicer history & transfers
✓ Recent notices & red flags
✓ Payment allocation

Real program rules are separated from viral misinformation.

Clear Expectations

What BorrowerBrief Is — and Isn't

Transparency matters. Here's exactly what you're getting.

✓ This Is For You If...

  • ✓ You're tired of worrying about missing something
  • ✓ You've had issues with servicers before
  • ✓ You want someone to guide you through the process
  • ✓ You'd rather have expert support than figure it out alone
  • ✓ You value peace of mind over DIY stress

✕ This Is NOT...

  • ✕ Not a loan servicer
  • ✕ Not a debt relief or settlement company
  • ✕ Not a forgiveness guarantee
  • ✕ Not legal or financial advice
  • ✕ Not affiliated with the Department of Education
Why BorrowerBrief

Why not just use StudentAid.gov?

Government tools show you the forms. BorrowerBrief helps you understand which ones to file and what could go wrong.

Government Tools Refinance Sites BorrowerBrief
Repayment calculator ✓ ✗ ✓
Strategy analysis ✗ ✗ ✓
Risk warnings before filing ✗ ✗ ✓
Pre-filled federal forms ✗ ✗ ✓
No SSN or login required ✓ ✗ ✓
Independent advice ✓ ✗ ✓
Sells your data or loans ✗ ✓ ✗
Simple Pricing

Start with the Strategy. Add Support if You Want It.

Not sure which path fits? Run the free checkup first.

Start Here

Strategy + Form Generator

$39 one time

Answer guided questions. Get your recommended repayment path, risk flags, and a completed federal application ready to submit.

  • ✓ Guided repayment strategy wizard
  • ✓ Flags costly mistakes before submission
  • ✓ Identifies your lowest-payment plan
  • ✓ Generates ready-to-submit federal forms
  • ✓ You review and submit yourself
Run the Free Checkup

Less than the cost of one loan mistake

Optional Add-On

Human Review

$25 one time

Already filled out a federal form yourself and want a second opinion before you submit? We check for mistakes, missing fields, and policy conflicts.

  • ✓ Expert review of your completed application
  • ✓ Risk and error check
  • ✓ Plain-language feedback
  • ✓ Delivered within 48 hours
Add Human Review

 

Ongoing Support

Ongoing Account Oversight

$150 /month

Continuous monitoring, deadline tracking, and direct support. For borrowers who want a steady safety net throughout repayment.

  • ✓ Everything in Account Review
  • ✓ Continuous account monitoring
  • ✓ Servicer call guidance
  • ✓ Deadline tracking and reminders
  • ✓ Plain English updates via text
  • ✓ Direct access to us
Start $150/mo Oversight

Month to month · Cancel anytime

BorrowerBrief is an independent strategy tool. Federal student loan forms are always free at StudentAid.gov. BorrowerBrief helps you choose the right path and prepare your documents — you review and submit everything yourself.

BorrowerBrief team

Why BorrowerBrief Exists

I work in student loan servicing and see how often borrowers make costly decisions simply because the rules are confusing — and no one explained the consequences before they filed.

BorrowerBrief was built to give borrowers a clear strategy before they submit anything. The goal is simple: help people understand their options and avoid the kind of errors that add years to repayment.

— Marz, Founder

5+ Years Inside Student Loan Servicing
1,000s Borrower Accounts Reviewed
Daily Exposure to Real Servicer Workflows
Federal Focus IDR, PSLF, Servicer Transitions
FAQ

Common Questions

Loan accounts change over time.rules update, servicers transfer, and deadlines appear. Ongoing monitoring reduces surprises and keeps the plan current.
BorrowerBrief focuses on guidance and organization, not debt settlement. No claims are made about guaranteed outcomes, and no pressure tactics are used.
No. Passwords are not requested and accounts are not accessed. Borrowers stay in control of all logins and submissions.
Monitoring is done through routine account check ins. With your written authorization, we can request account summaries and status updates from your servicer. Some borrowers also choose to route certain account notices to a monitoring inbox, when their servicer allows it. Either way, you stay in control of submissions and any actions taken.
That is common. We track each servicer separately, including balances, accrued interest, important dates, and open items.
No. Programs have eligibility rules and timelines that BorrowerBrief cannot control. Support is designed to improve clarity and execution, not promise outcomes.
The $25 Account Review provides a one time check and action plan. Monthly support is optional for ongoing monitoring and reminders.
Cancel anytime. A simple message is enough, and billing stops for future cycles once cancellation is confirmed.
With your written authorization, BorrowerBrief can request routine account information from your servicer for status checks. We still do not submit forms, make changes, or access your online accounts. Borrowers stay in control of all submissions.

Ready to Get Clarity?

Start with the free checkup. We'll identify your best path and prepare your application — no pressure, no commitment until you're ready.

Run the Free Checkup Start $150/mo Oversight Email Us a Question