Federal repayment rules shifted this year and millions of borrowers are being moved onto new plans. My Way to Repay shows you the plan that actually fits your income, and what forgiveness you qualify for, at no cost to you.
A national student loan platform paired with your state nonprofit, so every Wisconsin borrower gets free, expert-backed guidance and never a sales pitch.
No cost at any point, and you will never be asked for a payment.
Run by the Wisconsin Coalition on Student Debt, not a servicer or a lender.
People who do this every day, not a call center reading from a script.
Nothing is sold to you here. You look, you decide, you can walk away.
Most people are trying to work this out across a dozen federal programs with different rules. My Way to Repay does that work for you.
Your loans get checked against more than 150 repayment and forgiveness programs, including ones most borrowers never hear about.
Income-driven plans can bring a payment down substantially. The tool shows you the numbers side by side before you commit to anything.
If you are behind, or worried about getting behind, there are ways back. Acting early keeps far more options open than waiting does.
On-call student loan counselors answer your questions directly. Not a call center script, and not a sales pitch.
Not sure where you fit? Talk it through with the DebtSmarts helpline at 833-589-0750, Monday to Friday, 8:00 AM to 4:30 PM CT.
Yes. There is no cost to you at any point, and you will never be asked for a payment. DebtSmarts is a Wisconsin nonprofit, and this is part of our free borrower support.
No. You can look at what you qualify for and decide to do nothing. Plenty of borrowers use it just to confirm they are already on the best plan for them.
Still worth checking. There are routes out of default, and the sooner you look at them the more options you tend to have. Our helpline can also walk you through it.
Public Service Loan Forgiveness can cancel remaining federal loan debt after a period of qualifying payments while working for government or an eligible nonprofit. The tool checks your eligibility as part of your results.
Wisconsin residents with federal student loans, at any stage. Currently repaying, behind on payments, in default, or just trying to work out what changed this year.
Our helpline is open all year. Free, confidential, and staffed by counselors in Wisconsin who deal with these programs every day.
833-589-0750It takes two questions to begin, and you can stop at any point. If you would rather talk it through with someone first, our helpline is open all year.
Get student loan supportOr call 833-589-0750
Monday to Friday, 8:00 AM to 4:30 PM CT · Free and confidential · Wisconsin Coalition on Student Debt
