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Student loan help for individuals

A student loan plan built around your situation

Stop sorting through conflicting advice. SavvyFi reviews your loans, repayment history and goals to help you understand the next step and offers different levels of help carrying it out.

Talk with a student loan specialistSee ways to work with us
  • Free 10-minute clarity call
  • Federal and private loans, including default
  • We never ask for your FSA ID password
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Know where you stand. Know what comes next.

  • Get the full picture

    Understand your loan types, status, balances and past repayment history.

  • Compare realistic options

    Review repayment, forgiveness and resolution paths based on your circumstances.

  • Move forward with support

    Turn a strategy into an action plan with support based on the service you choose.

Start where you are

What's going on with your loans?

Default

My loans are in default.

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Affordability

My payment is too high.

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Public service

I work for a nonprofit or government.

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Ways to work with us

Choose the level of help that fits

Not sure which you need? That's what the free clarity call is for.

Strategy + Plan

A personalized review, a clear recommended path and practical guidance so you can take the next steps with confidence.

  • Full analysis of your loans
  • A meeting with a student loan coach
  • A written plan you carry out, with email guidance
  • Includes your first month of ongoing membership
Start with a free call
Most hands-on

Full Resolution

For complex situations that call for more hands-on coordination, multiple steps and continued help working toward resolution.

  • Everything in Strategy + Plan
  • We handle much more of the work alongside you
  • Help with documents and servicer coordination
  • Additional coach meetings while we work on your issue
Start with a free call

Ongoing Membership

Keep your student loan plan on track with our expert team by your side.

  • Help understanding notices and changes
  • Heads-up on important deadlines and milestones
  • A place to ask before you make a costly wrong turn
  • Start with a membership alone, or get it as part of your Strategy or Full package.
Ask about membership

Have SavvyFi through work?

Many employers offer SavvyFi as a benefit. Sign in with your work email to see what's included.

Enroll through work

Our promise

Federal applications and account tools are free at StudentAid.gov. Your fee covers a personal review of your loans, a plan, and coaching to put the plan into action. We can't guarantee forgiveness or any outcome. Those decisions belong to the federal government.

How it works

From first call to a plan you can keep

  1. Free clarity call

    Tell us what's going on. We'll tell you honestly whether we can help.

  2. Share your details

    Connect your loans and upload your My Aid Data file from StudentAid.gov.

  3. Assessment

    We review loan types, status, history, household finances and goals.

  4. Your plan

    We explain the recommended path and the tradeoffs in plain English.

  5. Follow-through

    Carry out your plan with our guidance or our hands-on support, then stay on track.

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Make education savings a family effort

Many employers include SavvyFi 529 education savings, with recurring contributions and gifting links so family can help.

Learn about 529 savings

529 investments involve risk, including loss of value. Tax treatment and eligible expenses vary by state and plan; read the plan disclosure before investing.

Questions borrowers ask us

Can I use federal student loan programs for free?

Yes. Federal applications and official account tools are available through StudentAid.gov without paying SavvyFi. Our value is personalized assessment, strategy and optional help carrying it out.

Does SavvyFi guarantee forgiveness?

No. Federal eligibility and forgiveness decisions are made by the government program and depend on qualifying facts, documentation and time. We help you evaluate and act on your options.

Do I need to connect my loan accounts?

We need accurate loan records for a reliable assessment. Depending on your case, that may include connecting servicer information and uploading your My Aid Data file from StudentAid.gov.

What if I have private loans?

We'll review your full loan picture, but private loans generally don't qualify for federal forgiveness programs such as PSLF.

What's the difference between the packages?

With Strategy + Plan, we analyze your situation, build your plan and guide you while you carry it out. With Full Resolution, we handle much more of the work alongside you until the issue is resolved. Membership helps keep your plan on track as things change.

Is SavvyFi part of the government or my servicer?

No. We're an independent company. We work alongside your servicer and StudentAid.gov.

Book your free clarity call

10 minutes. No pressure. Just clarity on your options.

  1. Tell us a little (this form)
  2. Pick a time on our calendar
  3. Get a confirmation and reminder

Prefer to talk now? +1 (615) 241-0144

Form not showing? Email hello@savvyfi.co or call +1 (615) 241-0144.