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Why Earnest Student Loan Manager?
Personalized plans for your loans
We’ve partnered with Payitoff so you can seamlessly manage all of your federal student loans in one place and optimize your repayment plan for free
Find out how much you could save each month with an income-driven repayment plan and if you qualify for $0/month payments
Compare your federal student loan repayment options
Get plan recommendations based on your unique situation
Answer a few questions, choose a plan, and we’ll apply for you
Keep all your federal student loan protections including forgiveness
Some borrowers may also be eligible for debt forgiveness options, like Public Service Loan Forgiveness or Teacher Loan Forgiveness, that may have different benefits or eligibility requirements than those here. Some may also consolidate commercially held federal loans with the US Dept. of Ed. to access more options. Please visit studentaid.gov to learn more.
Income-Driven Repayment Plans
Affordable payments + forgiveness
Income-driven repayment plans (IDRs) can help make your monthly federal student loan payments more affordable by basing them on your income (after taxes and necessities) and family size.
At the end of your repayment term (typically 10-25 years), any leftover balance is forgiven.
Get the FAQs on federal student loans
Have more questions?