Debt Relief and Repayment

Employer Repayment Assistance

How to Get Employer Repayment Assistance for Your Student Loans
Employer Repayment Assistance

How to Get Employer Repayment Assistance for Your Student Loans

Your student loans are yours, but your employer can help carry them. More companies now offer employer repayment assistance as a benefit, and it is...

6 days ago Read More
How to Get Your Employer to Help Pay Off Student Loans
Employer Repayment Assistance

How to Get Your Employer to Help Pay Off Student Loans

Your student loans are yours, but that doesn’t mean you have to carry them alone. More employers are adding student loan repayment assistance to...

1 month ago Read More
How to Get Your Employer to Help Pay Off Your Student Loans
Employer Repayment Assistance

How to Get Your Employer to Help Pay Off Your Student Loans

Employer repayment assistance is one of the most underused benefits in the American workplace. It is exactly what it sounds like: your company puts...

1 month ago Read More
How to Use Employer Repayment Assistance to Pay Off Student Loans Faster
Employer Repayment Assistance

How to Use Employer Repayment Assistance to Pay Off Student Loans Faster

If you have student loans, your paycheck is not the only way your job can help. More employers now offer student loan repayment assistance as a...

2 months ago Read More
How to Ask Your Employer for Student Loan Repayment Help
Employer Repayment Assistance

How to Ask Your Employer for Student Loan Repayment Help

Your student loans are not just your problem. They affect your sleep, your budget, and sometimes your job choices. More companies know that. They...

2 months ago Read More
How to Get Employer Student Loan Repayment Assistance Without Changing Jobs
Employer Repayment Assistance

How to Get Employer Student Loan Repayment Assistance Without Changing Jobs

The best student loan payment is one someone else makes. More employers than ever offer student loan repayment assistance, but many bury it in a...

4 months ago Read More
How to Spot and Avoid Student Loan Repayment Scams
Avoiding Repayment Scams

How to Spot and Avoid Student Loan Repayment Scams

Student loan repayment is confusing enough without someone trying to profit from your confusion. Scammers know borrowers are stressed, rules change...

1 day ago Read More
How to Negotiate a Student Loan Payment You Can Actually Afford
Negotiating with Lenders

How to Negotiate a Student Loan Payment You Can Actually Afford

Your student loan servicer is not a brick wall. It is a call center with rules, scripts, and a surprising number of options it will not offer unless...

2 days ago Read More
How to Negotiate With Student Loan Lenders When You’re Broke but Determined
Negotiating with Lenders

How to Negotiate With Student Loan Lenders When You’re Broke but Determined

You cannot negotiate a federal student loan like a used car. Federal servicers follow rules, but those rules include real options that can lower your...

7 days ago Read More
The Debt Avalanche vs. Snowball Method: Pick the Student Loan Payoff Plan You’ll Actually Stick To
DIY Debt Payoff Methods

The Debt Avalanche vs. Snowball Method: Pick the Student Loan Payoff Plan You’ll Actually Stick To

You’ve got student loans. You also have rent, groceries, maybe a car payment, and a life you’d like to enjoy before you’re 80. The good news is you...

7 days ago Read More
How to Spot Student Loan Debt Relief Scams Before They Cost You
Avoiding Repayment Scams

How to Spot Student Loan Debt Relief Scams Before They Cost You

If you are stressed about student loans, you are exactly who scammers target. They know you are getting calls, emails, and social media ads promising...

11 days ago Read More
Student Loan Debt Relief Options That Actually Work and the Traps to Avoid
Debt Relief Options Overview

Student Loan Debt Relief Options That Actually Work and the Traps to Avoid

If your student loan payment is competing with rent, groceries, and gas, you are not bad with money. You are dealing with a system that was not...

15 days ago Read More
FAQ

Frequently Asked Questions

They've become more common in recent years as a recruiting and retention tool, though availability still varies a lot by industry and company size — larger employers and competitive fields are more likely to offer it than small employers. It's increasingly reasonable to ask about it during salary and benefits negotiations.

It depends on current law, which has changed the tax treatment of this benefit before, so employer-paid amounts may or may not be tax-free up to a certain limit depending on the year. Check with your HR or benefits team and current IRS guidance to understand how a specific employer's program will be taxed.

It depends on your goals — consolidating everything simplifies to one payment and one servicer, but if some loans have already made progress toward forgiveness, it may be worth leaving those out of a new consolidation loan to preserve that credit. Reviewing each loan's forgiveness progress before consolidating helps avoid losing ground you've already gained.

Be cautious — most legitimate options, like income-driven repayment, consolidation, or forgiveness applications, are free to do yourself directly through your servicer or studentaid.gov. Companies that charge upfront fees for help enrolling you in these free federal programs are a red flag worth avoiding.

Watch for anyone asking for an upfront fee to enroll you in a federal program, promising immediate forgiveness or debt cancellation regardless of your situation, asking for your Federal Student Aid ID or password, or pressuring you to act immediately. Legitimate federal programs are free to apply for directly through your servicer or studentaid.gov.