Free, Confidential Student Loan Help

Feeling Stuck with Student Loans?

Student loans are in the news a lot today and you may be wondering if you’re on track with your loan repayments. Maybe you’ve never started loan repayments. Do you know who your loan servicer is? Do your payments feel impossible to manage? Maybe you’ve missed payments and you’re worried about default. Maybe you’re just overwhelmed by the choices and changes in loan programs.

Whatever brought you here, you’re in the right place.

At DebtSmarts.org, our goal is simple: help you understand your options, avoid costly mistakes, and regain control of your student loans.

First, Know This: You Are Not Alone

Over 700,000 Wisconsinites hold student loan debt. These borrowers are facing the same questions you are:

✅ How do I lower my monthly payment?

✅ What happens if I miss a payment?

✅ Am I eligible for loan forgiveness?

✅ How do I get out of default and stop collections?

The good news is, there are solutions. Federal student loan programs include repayment plans based on your income, temporary relief through forbearance or deferment, and paths to forgiveness like Public Service Loan Forgiveness (PSLF). Even if your loans are in default, there are proven ways to get back on track.

The challenge? Navigating these options can feel like a full-time job. That’s where we come in.

Get Reliable, Straightforward Information

📞 Call the DebtSmarts Student Loan Helpline now at 833-589-0750.
📧 Prefer email? Reach out to us at questions@debtsmarts.org

When you need help with your student loans, it’s critical to get trusted, accurate information. There’s a lot of noise out there — and unfortunately, many scams.

DebtSmarts.org is here to be your trusted partner. We keep up with the latest updates to federal student loan programs, repayment options, and forgiveness criteria. We’ll explain your options clearly, in plain language, so you can make informed decisions.

What we help with:

✅ Explaining repayment plans (including Income-Driven Repayment)

✅ Understanding forgiveness programs like PSLF and IDR forgiveness

✅ Steps to get out of student loan default

✅ Help with loan consolidation decisions

✅ Avoiding scams and recognizing legitimate assistance

✅ Answering any question you have about your student loans

We believe that the more you understand your options, the better choices you’ll make for your financial future.

Take Action Today — Free, Confidential Help Is Just a Call or Click Away

Your situation may feel complicated, but you don’t have to figure it out alone. A quick, confidential conversation with one of our student loan experts can give you the clarity and confidence to take your next steps.

📞 Call the DebtSmarts Student Loan Helpline now at 833-589-0750.
📧 Prefer email? Reach out to us at questions@debtsmarts.org

You’ll connect with a real person who understands your concerns and can guide you through your options — all at no cost to you.

Don’t wait for things to get more stressful. Reach out today and take the first step toward relief.
Unlike trying to reach your loan servicer, you won’t stay on hold for hours when you call us. We’re available to answer your call with little to no wait time from Monday to Friday, 8:00am-4:30pm.

Ready to get help? Call us now or fill out the form

We are a nonprofit resource. No sales, just a live person to talk you through your options.

Frequently Asked Questions About The Student Loan HelpLINE

Q: What is the Student Loan Helpline?
A: The DebtSmarts Student Loan Helpline connects borrowers with free, trusted guidance on repayment plans, forgiveness programs, and getting out of default. You’ll talk to real experts, not automated bots.

Q: Who can use the helpline?
A: Anyone with student loans can call the helpline, especially borrowers feeling overwhelmed by payments, in default, or confused about forgiveness programs.

Q: Does the helpline cost anything?
A: No. The DebtSmarts helpline is completely free and confidential. We are here to help you understand your options, without fees or sales pitches.

Q: Can you help me with Public Service Loan Forgiveness (PSLF)?
A: Yes! Our team can explain PSLF eligibility, application steps, and walk you through how you can ensure your employer and payments qualify.

Q: What if my loans are in default?
A: We’ll review your options to get out of default, such as loan rehabilitation or consolidation, and explain how to protect your credit and avoid collections.