Free — No account required

Find out where your student loans actually stand.

Answer 8 quick questions. We'll identify your borrower profile and flag anything worth paying attention to before you file anything.

  • Takes about 2 minutes
  • No FSA ID or login required
  • No pressure — just clarity
  • Shows your repayment risks before they cost you

BorrowerBrief is not affiliated with the Department of Education.

Question 1 of 8

What type of federal student loans do you have?

If you're not sure, check StudentAid.gov or your servicer's portal.

Question 2 of 8

What repayment plan are you currently on?

This is listed on your servicer's website or your monthly statement.

Question 3 of 8

What is your current loan status?

Question 4 of 8

What is your primary goal with your student loans?

Question 5 of 8

When did you first begin repaying your student loans?

This affects your forgiveness timeline and IDR eligibility windows.

Question 6 of 8

Have you consolidated your federal student loans?

Consolidation combines multiple loans into one new loan — it's different from refinancing.

Question 7 of 8

What type of employer do you currently work for?

This determines whether you may qualify for Public Service Loan Forgiveness.

Question 8 of 8

What is your approximate annual household income?

Used to estimate your income-driven repayment options. Not stored.

Your Borrower Profile
—

This is your free summary. The full strategy shows your recommended path, specific risks, and next steps.

Unlock Your Full Strategy →

Full strategy analysis · $39 one-time

BorrowerBrief is not affiliated with the U.S. Department of Education or any loan servicer. This tool provides general guidance only — not legal or financial advice. Federal loan forms are always free at StudentAid.gov.