Federal student loan notice decoder

Your loan notice, decoded deadline by deadline.

Paste in the letter your servicer sent. Repay puts it in plain words. It lists every deadline and what missing it would cost. Your options come unranked, so the choice stays yours. A recertification reminder comes back with the date your income paperwork is due and what happens to your payment if it's late.

Decode a Notice
Three students walk away down a tree-lined campus lane at dusk, lampposts lighting the path ahead of them. A sample notice document sits in the foreground.
Loan ServicerPUBLIC SERVICE LOAN FORGIVENESS —PAYMENT COUNT UPDATE“Qualifying payments credited: [XX] of120.”SPECIMEN
What Repay is
A plain-language reader for your servicer's letters.
What Repay is not
A lawyer, a loan counselor, or a financial advisor. It provides information, not advice.

Decode Your Notice

Copy the whole notice, whether it came as an email, a letter or a message in your account, and paste it below. An AI model reads it in memory, and Repay keeps nothing. Repay reads pasted text for now, so copy the words out of a PDF or a photo first.

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Demo mode

See what Repay returns for a sample recertification reminder.

Built-in limits

Where Repay Stops

Your new payment depends on your income, and PSLF eligibility on your employment history. Neither is printed on the notice. So Repay leaves the payment estimate to studentaid.gov and the eligibility decision to Federal Student Aid, and it makes no predictions.

Notices Repay Reads

Listed in no order of importance.

Loan ServicerNOTICE OF INCOME-DRIVEN REPAYMENT — ANNUALRECERTIFICATION“Recertify your income and family size by[XX/XX/XXXX]...”SPECIMEN

IDR Recertification

The deadline to renew your income-driven plan, and what changes if you miss it.

Loan ServicerPUBLIC SERVICE LOAN FORGIVENESS — PAYMENTCOUNT UPDATE“Qualifying payments credited: [XX] of120.”SPECIMEN

PSLF Payment Count

Your qualifying and required payments as printed, and how many remain by plain subtraction.

Loan ServicerPUBLIC SERVICE LOAN FORGIVENESS —APPLICATION DECISION“Your application for forgiveness has beendenied. Reason: [STATED].”SPECIMEN

PSLF Denial

Why a forgiveness application was denied, and what reconsideration options the notice mentions.

Loan ServicerNOTICE OF SERVICING TRANSFER“Your loans will transfer to a newservicer on [XX/XX/XXXX].”SPECIMEN

Servicer Transfer

What's changing hands, what to verify before and after, and what a transfer can't change about your loan.

Loan ServicerNOTICE OF DEFAULT“Your loan is in default. The full balanceis now due.”SPECIMEN

Default Notice

What default means for your balance, your credit and your wages, and the paths back to good standing the notice lists.

Loan ServicerNOTICE OF PAST-DUE PAYMENT“Your account is [XX] days past due.Amount due: $[XXX.XX].”SPECIMEN

Delinquency Notice

How many days past due you are, what happens next, and what stops the clock.

Loan ServicerFORBEARANCE STATUS NOTICE“Your payments are paused through[XX/XX/XXXX].”SPECIMEN

Forbearance Notice

What's paused, what still accrues, and what a pause does or doesn't count toward.

Loan ServicerACCOUNT NOTICE“This notice contains information aboutyour student loan account.”SPECIMEN

Any Other Notice

Doesn't fit a type above? Repay still lists every deadline, amount and option it finds.

Who Can Help

Six free or low-cost places to take what Repay can't settle. The list is the same whatever your notice says.

A lamplit study table at night, a highlighter marking a notebook while a figure studies out of focus in the background.
Students far down a lamplit campus lane at nightfall, walking away.