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Student Loan Support


Let us help you navigate the repayment process.

With more than 100 student loan repayment options available, it can be overwhelming to find the right one. We simplify the process and present the options that make sense for your financial situation.

Choose Your Level of Support

Do It Yourself

Complete an online questionnaire to get an action plan of all available repayment options. Download your plan through our online portal.

Receive your Action Plan:
  • Loan Details
  • Repayment Estimates
  • Eligible Options


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Phone Support

A student loan counselor guides you through a personalized questionnaire over the phone and helps you determine the best option for your situation.

Receive your Action Plan, plus:
  • One-on-one Guidance
  • Optimal Solution
  • Steps To Implement


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Servicer Advocacy

A student loan counselor helps you prepare documents and works directly with loan servicer(s) to ensure your repayment plan is implemented.

Receive your Action Plan, Phone Support, plus:
  • Document Prep
  • Servicer Calls
  • Follow-up as Needed


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Do It Yourself

24/7 Student Loan Guidance

For only $39, Student Debt Solutions by Take Charge America provides the answers you need to make an informed repayment decision. Here’s how it works:

  • Fill out the form below to create a secure account.
  • Complete the personalized questionnaire.
  • Receive your action plan with available repayment options.
  • Still need help? Upgrade to phone support for a discounted rate of $110 (total $149).

Get Your Student Loan Repayment Action Plan

Do It Yourself for $39

Follow our simple 4-step process to discover your student loan repayment options.

Step 1: Setup your Take Charge America Student Loan Profile.

Step 2: Use your Federal Student Aid ID (FSA ID) to upload your student loan information.
(If you don’t remember your FSA ID, you can reset your login credentials here and update your preferences here. Then, use your FSA ID on our website to upload your student loan information.)

Step 3: Complete your personalized questionnaire to discover the discharge, forgiveness, and repayment programs that may be available to you.

Step 4: Download your Action Plan for just $39.

Need more help? Call our NFCC certified student loan counselors at 877-784-2008.

Phone Support

Step-by-Step Guidance with a Trusted Counselor

For just $199, our certified student loan counselors provide one-on-one guidance to help you select the right repayment plan. You’ll receive an action plan outlining your available options, and together we review each solution to help you determine the best plan based on your goals. Here’s how it works:

  • Call us at 877-784-2008 to speak with a counselor. Counselors are available M-F, 7:30am-5:30pm MST.
  • A counselor will guide you through a personalized questionnaire to generate an action plan.
  • You and your counselor review each option and step within your action plan, which includes:
    • A summary of your outstanding federal student loans
    • Overview of available repayment plans and requirements
    • Step-by-step instructions to implement each solution
  • We will recommend the best solution to meet your needs and goals.
  • Need more help? We also offer document prep and servicer advocacy.

Servicer Advocacy

We Communicate with Student Loan Servicers on Your Behalf

Our certified student loan counselors help you prepare the paperwork and establish your repayment plan. We can even communicate with your servicer(s) directly to answer questions, serve as your advocate and finalize the process.
Call 877-784-2008 to learn more.

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