There are more student loan repayment and forgiveness options than most people realize — and the rules keep changing. We help you understand what you may qualify for, get you into the one that fits, and stay on top of it for you.
We focus on the federal repayment and forgiveness programs that can make a real difference — and we prepare the documents to get you enrolled in the one that fits.
These programs set your monthly payment based on your income and family size — which, depending on your situation, may lower what you pay each month. We help you find the income-driven option that fits and prepare everything needed to enroll.
Most common starting pointConsolidation combines multiple federal loans into one, and can be a stepping stone into certain repayment or forgiveness programs. We prepare consolidation documents only when it's a prerequisite for the plan that fits you — never by default.
Only when it helps youWhether it's forgiveness at the end of an income-driven term or programs tied to qualifying public-service employment, the timelines and requirements are easy to lose track of. We help you understand your path and keep your milestones in view.
Know your timelineMost income-driven plans require recertifying your income every year — and missing that deadline can spike your payment. We track it and prepare your recertification so you stay enrolled and protected, year after year.
We keep you on trackNo. PrimePath is a private, independent company. We are not affiliated with, sponsored by, or endorsed by the Department of Education or any loan servicer. Any references to them are for informational purposes only.
Yes. You can apply for federal loan consolidation and income-driven repayment plans for free, directly with the government at studentaid.gov. Many people still choose us because we help figure out which program actually fits, prepare everything correctly the first time, and track every deadline and yearly recertification so nothing slips.
It may. Several income-driven programs can lower monthly payments depending on your income and family size — but no specific outcome is guaranteed. We'll help you understand what you may qualify for before you decide anything.
No. We are not a debt relief, debt settlement, or debt consolidation service, and we don't negotiate or modify your debt. We prepare documents to help you enroll in the federal repayment and forgiveness programs you may qualify for.
A straightforward, transparent fee for our document preparation and consultation services. Our fees are never applied to your loan balance and are never sent to your loan servicer — they are solely for the work we do for you.
The initial consultation takes about five minutes. Once we have what we need, preparing and submitting your documents is typically quick — and from there we handle ongoing follow-ups and your annual recertification.
A complimentary, no-obligation consultation. See what options may be available for your situation.
No obligation. Operators available now to answer your questions.