Federal student loan help — $99/year add-on, either plan

Lower Your Student Loan Payment.
Build Credit at the Same Time.

Borrowers who move to an income-driven repayment (IDR) plan often free up monthly cash flow — and pairing on-time payments with rent reporting can help your credit profile over time. Powered by our student-loan guidance partner. Eligibility and results depend on your individual situation.^*

Choose a plan to get started

^*Educational only — not legal, tax, or financial advice. We help you compare options and prepare paperwork; you file with your loan servicer.

~$181/month

average monthly savings reported by our student-loan guidance partner across enrolled members¹

¹ Reported by our student-loan guidance partner — a network average across members who enrolled in an income-driven repayment plan through the program, not a projection of your own result. Individual results vary and depend on your loan type, income, family size, and other factors; your own estimate is shown free in the eligibility step below. Not a guarantee of any specific savings or outcome. See our Terms and disclaimers.

How It Works

You see your numbers first — the add-on comes after, only if it’s worth it. The eligibility check is included with any WeReportYourRent plan.

Step 1

Check Your Eligibility — Free

Answer a few questions in the guidance tool — federal loan type, income, family size. Checking is free, takes about 2 minutes, and doesn’t affect your credit.

Step 2

See Your Estimated Savings

Before you pay anything, you see what an income-driven plan could mean for your monthly payment — your estimated savings, in real numbers. No obligation.

Step 3

Add the Plan & File

If the numbers work for you, add Student Loan Aid ($99/year). We prepare the pre-filled forms you submit to your servicer and help with the yearly recertification.

What the $99/year add-on includes

A standalone add-on you can attach to either plan. You file with your servicer — we provide the tooling and guidance, not loan servicing.

Included in the add-on

Expert loan review

Our guidance service reviews your federal loans — income-driven repayment, PSLF, and consolidation options you may qualify for. No loan balance or servicer login collected by us.

Included in the add-on

Comparison, forms & yearly recertification

We compare IDR options and prepare the pre-filled forms for you to submit to your loan servicer, then help with the federally-required IDR recertification each year. You file with your servicer — we provide the tooling and guidance, not loan servicing.

Who is this for?

Federal student loan borrowers (Direct, FFEL, Perkins) who want to understand whether an income-driven repayment plan could lower their monthly payment. The guidance tool — our student-loan guidance partner — walks through your loan type, income, and family size before you decide anything. You can explore your options without affecting your credit or committing to a plan.

Choose a plan to get started

Educational only — not legal, tax, or financial advice. Federal student-loan programs are administered by the U.S. Department of Education and may change. Individual results vary.

What every WeReportYourRent plan includes

Real credit-building tools — no gimmicks, cancel anytime.

Rent reported to Experian and TransUnion Every verified on-time payment is reported monthly to Experian and TransUnion as a tradeline on your credit file. This is the single most impactful action for thin or no credit history.
24-month rent history lookback Report up to 2 years of past on-time rent in your first submission -- instant credit history boost from day one.
$1 Million Identity Theft Insurance Change-of-address monitoring, SSN monitoring, breach monitoring, dark-web monitoring, $1M insurance + restoration.
Debt Navigator Tailored repayment plans matched to your financial situation.
AI credit assistant Plain-English explanations of how credit works and how to use the dashboard. Available 24/7. For analysis of your own credit file (why your score moved, what factors are pulling it up or down), see the Credit Score Coach component on the Credit Report tab -- that component has access to your actual file.
Earn $10 per referral Refer friends or family. Every paid referral earns you $10 in account credit. No cap on referrals, no monthly limit.

See every feature & how we compare

Full feature catalogue + side-by-side vs Self and RentReporters

Credit-building results depend on your individual credit profile and on-time payments. Not financial advice.

Lower Your Student Loan Payment. Build Credit at the Same Time.