Frequently Asked Questions

What is this?

An action plan for your student loans. Payitoff provides tools, insights and a custom repayment plan to help you pay off your student loans faster.

How does Payitoff work?

First, you provide some basic information about your student loans. For free, we'll offer a suggestion or two on how to pay them off. For a one-time fee, a Payitoff Expert will review your unique situation and come up with a plan tailored to you.

Is Payitoff secure?

Yes. Any personally identifiable information is completely encrypted and stored securely.

Do you need my FSA ID or SSN?

No. The Department of Education warned against sharing this information with third parties, so please don't share it with us. You'll never hear us asking for it.

How much does Payitoff cost?

$99 for a personalized debt plan and a half hour on the phone with a Payitoff Expert to go over the details.

What if you can't save me money?

If we don't find a way to save you money on interest, you'll get a full refund!

Will you help me get loan forgiveness?

Not unless you qualify for a federal loan forgiveness program. Our software helps determine whether income-based repayment makes sense for you and if you'll qualify for Public Service Loan Forgiveness.

Have other questions?

Please feel free to email us if you have any further questions about our products.