CUT IT OUT!
Student loans are out of control. Give us 20 minutes, and you might qualify for lower payments, forgiveness or even cancellation. Our clients save on average 50% per month. What are you waiting for?
We put you back in control.
FAST
It takes only 20 minutes to learn if you qualify for massive savings.
FREE
There’s no cost to receive your estimate based on your situation.
SAFE
We protect your information, and you don’t need to use a credit card.
“My monthly payments were blowing a big hole in my budget – and my balances never seemed to go down. I didn’t think anyone could help me, but I gave Cut College Debt a chance. I figured, what the hell, it’s free. But in less than half an hour, I had a plan.
By the time I pay off my loans, I’ll have saved 10 years of payments and almost $26,000!“
Tyler F. – Ft. Lauderdale, Florida
How Cut College Debt Works
01
Create a FREE Online Account
Enter some basic information. No credit card required.
02
Enter Your Financial Data and Goals
Tell us your income, tax filing status, and family size. We’ll ask about your repayment goals and factor that into your plan.
03
Upload Your Student Loan File
Every borrower has a file called an NSLDS. Don’t know where yours is? Don’t worry, we provide a link where you can get yours.
04
Complete the Questionaire
After some final questions, we start crunching the numbers.
What’s Next?
See Your Personalized Student Loan Analysis
Get a complete list of all your eligible plans and the one we recommend, based on your answers during the questionnaire. Access a description of each plan or program, monthly payment, total repayment, and potential savings.
Review your options and select the best plan that fits your desired financial goals. We’ll let you know if it’s crucial to act soon due to a looming deadline!
Take Action
We can give you all the tools and forms to prepare, sign and submit your new Action Plan.
See your Student Loan
Savings in Minutes
Our online tool analyzes your data against the available programs and recommends the BEST solution based on your goals for FREE. There is no cost to see how much you will save or what program is the right fit.
Since student loan repayments restarted in October 2023, our platform has helped thousands find a solution to eliminate all or some of their debt burden.
$331
Avg. Monthly Payment Savings Found
$43K
Avg. Total Repayment Savings Found
50%
Users Discovered Forgiveness
24%
Users Discovered Cancellation
About Cut College Debt
We provide unbiased, third-party advice, providing peace of mind, clarity and resources with a commitment to transparency and integrity. We developed our platform to quickly and succinctly automate a counselor’s knowledge of the rules to provide a set of actionable next steps based on each debtor’s unique situation.
We Provide
360° Analysis of your Student Debt
We offer you a FREE, comprehensive analysis of all available solutions for your loans.
Unbiased Third-Party Advice
We are your advocate, evaluating all available programs based on your financial goals.
Transparency
We offer clear, detailed recommendations to help you understand your options.
Tools & Support
We can help make your plan a reality with access to the forms or even a counselor.
A Decade of Industry Experience
Our team is knowledgeable and dedicated. We closely follow the ever-changing rules.
We Are Not
Department of Education
We are not a government entity and do not administer or coordinate educational loans.
Financial Institution or Private Lender
We are not a bank or credit union and do not offer financial products or refinancing.
Student Loan Servicer
We do not manage loan accounts or collect payments on your student debt.
Credit Repair Company
We do not manage other aspects of your debt or provide claims to improve your credit.
Debt Collection or Consolidation Agency
We do not engage in debt collection, settlement or originate consolidation loans.
Frequently Asked Questions
What do I need to get started?
Your most recent household tax return(s) and your student loan data. If you have federal loans, you can download this information from National Student Loan Data System. If you have private loans, a recent monthly statement should have everything you need.
How long will the process take?
If you have everything that you need, an average session from start to finish takes about five minutes. Most questionnaires end up being about 20 questions.
How do I get my Student Debt Solutions Action Plan?
Once you complete the questionnaire, your action plan is immediately downloadable as a PDF file. We will also email you a copy as a backup.
How confident are you that you can find a solution for me?
We are 100% confident that we can find some type of solution for your situation. We can address various monthly payments you are eligible for or even find a solution such as cancellation or forgiveness. We are positive that you will walk away feeling more confident about your student loan debt and financial situation.
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