What's included
Four things you walk away with
The wizard does the analysis. You get a clear picture of where you stand and what to do next.
Recommended repayment path
The wizard evaluates your loan type, income, goals, and forgiveness progress to recommend the plan that fits your situation — not just the default.
Risk flags before you file
Consolidation resets, plan changes that increase payments, missing certifications — identified before you submit anything.
Completed federal form
Your answers map directly to the correct federal application. You get a filled form ready to review, sign, and submit yourself at StudentAid.gov.
Plain-language explanation
Each recommendation includes a clear reason why — no jargon, no guesswork about what the system decided or what it means for your loans.
How it works
Four steps, start to finish
The whole process takes about 10 minutes.
1
Select your form or goal
Choose what you want to accomplish — lower your payment, apply for PSLF, consolidate, request deferment, or something else. The wizard adjusts to your situation.
2
Answer guided questions
Loan type, income, employment, forgiveness progress. Questions are in plain language — no government terminology. Only what's relevant to your goal is asked.
3
Review your strategy and risk check
Before generating anything, the system flags potential issues — consolidation impacts, plan changes that could backfire, missing steps. You see the full picture first.
4
Download your completed form
Your answers populate the correct federal application. Review it, sign it, and submit it yourself directly through StudentAid.gov or your servicer. You stay in control.
Forms covered
Applications the wizard supports
More forms are added as the platform grows. Current coverage focuses on the decisions that affect borrowers most.
Income-Driven Repayment Application
SAVE, IBR, PAYE, ICR
Direct Consolidation Application
Combining multiple federal loans
PSLF Employment Certification
Annual or initial certification
Deferment Request
Economic hardship, in-school, military
Forbearance Request
Temporary payment pause
IDR Recertification
Annual income update
What BorrowerBrief does not do
- Submit forms on your behalf — you always review and submit yourself
- Access your loan servicer account or FSA ID
- Guarantee approval, forgiveness, or any specific outcome
- Negotiate with your servicer or act as your representative
- Provide legal or financial advice
$39
one-time payment
Less than the cost of one loan mistake
Ready to see your strategy?
The wizard takes about 10 minutes. You leave with a recommendation, risk flags, and a completed form.
Start the Strategy Wizard
No FSA ID required
You review before submitting
One-time — no subscription