Find your path out of student debt.
Summer is simplifying student loan repayment. Use our free tools to receive customized recommendations and ongoing guidance for your loans.
Find your path out of student debt.
Summer is simplifying student loan repayment. Use our free tools to receive customized recommendations and ongoing guidance for your loans.
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Summer makes it easy to start saving
Receive custom recommendations
Whether you’re looking to lower your monthly payment or pay off your loans fast, we look at hundreds of federal, state, and private options that could help you.
Enroll seamlessly online
Find an option for you and complete everything online—no more complicated paperwork! We’ll even double-check your forms to help avoid costly mistakes.
Stay informed
You have enough on your mind. We stay on top of all the latest student loan guidelines and keep our borrowers up to date on changes that affect them.
Automated enrollment tools for every situation
Sync your loans and stay on track
It takes less than five minutes to check which programs you’re eligible for today. Syncing also allows you to track all your loans in one simple dashboard.
Lower your payments through free programs
Many borrowers are eligible for lower monthly payments through Income-Driven Repayment plans—even down to $0 depending on your income. (And you can always switch back if you change your mind!)
Even if your payments are currently paused, we can help lock in lower payments today past the payment freeze.
Become debt-free faster
If your goal is to pay off your loans more quickly, Refinancing could be a great option for you. We’ll walk you through the requirements and help you compare options.
Our Overpayments tool also shows you the benefit of making extra payments by minimizing the amount paid in interest over time.
Find forgiveness options
Depending on your career field and state of residence, you could qualify to have a portion of your remaining debt forgiven.
For example, if you work in the public sector or at a non-profit, our comprehensive Public Service Loan Forgiveness tool will help make sure you’re on track to have your debt forgiven after 10 years.
Summer makes it easy to start saving
Receive custom recommendations
Whether you’re looking to lower your monthly payment or pay off your loans fast, we look at hundreds of federal, state, and private options that could help you.
Enroll seamlessly online
Find an option for you and complete everything online—no more complicated paperwork! We’ll even double-check your forms to help avoid costly mistakes.
Stay informed
You have enough on your mind. We stay on top of all the latest student loan guidelines and keep our borrowers up to date on changes that affect them.
Automated enrollment tools for every situation
Sync your loans and stay on track
It takes less than five minutes to check which programs you’re eligible for today. Syncing also allows you to track all your loans in one simple dashboard.
Lower your payments through free programs
Many borrowers are eligible for lower monthly payments through Income-Driven Repayment plans—even down to $0 depending on your income. (And you can always switch back if you change your mind!)
Even if your payments are currently paused, we can help lock in lower payments today past the payment freeze.
Become debt-free faster
If your goal is to pay off your loans more quickly, Refinancing could be a great option for you. We’ll walk you through the requirements and help you compare options.
Our Overpayments tool also shows you the benefit of making extra payments by minimizing the amount paid in interest over time.
Find forgiveness options
Depending on your career field and state of residence, you could qualify to have a portion of your remaining debt forgiven.
For example, if you work in the public sector or at a non-profit, our comprehensive Public Service Loan Forgiveness tool will help make sure you’re on track to have your debt forgiven after 10 years.
How does Summer work?
Individual borrowers can access Summer for free. Summer makes money by partnering with paying organizations to guide their members through student loan repayment with premium tools, phone consultations and enhanced application review.
Interested in bringing Summer Premium to your company? Talk to us about partnering with Summer.
We’re here to help you become debt-free.
Our unique approach comes from years of experience working in student loan policy.
More importantly, we’re borrowers too. We know what it’s like to deal with student loan debt.
“My situation is frustratingly complex with many types of loans. It’s been remarkable to have Summer in my corner helping me with a customized plan, saving me nearly $20,000 this year! I couldn’t have done this alone.”
Corry P.
"Summer was a ray of hope for us at a time when we were feeling completely overwhelmed by our family’s large amount of student debt. We truly appreciated having Summer on the line with us when we called our loan servicers to discuss the many complicated plans."
Sue and Tom P.
“With the information that Summer provided, I was able to reduce my interest rates and expect to save nearly $10,000 over the life of my loan.”
Peter S.
"I have had major anxiety about my accumulated student loan debt and interest. I was thrilled with how easy to manage and pay down my loan with Summer's help."
Jennifer C.
"The Summer program is educational and helpful. It helps me understand my student loans. I wish I knew about Summer when I first took out the loans in 2005 because I would have understood the whole process 100% better and signed up for a better deal."
Clare P.
“Summer is the TurboTax of student loans. The platform took a weighty, overwhelming and convoluted decision making process and helped me break it down, step by step.”
Norma G.
FREQUENTLY
ASKED QUESTION
How does Summer work?
Individual borrowers can access Summer for free. Summer makes money by partnering with paying organizations to guide their members through student loan repayment with premium tools, phone consultations and enhanced application review.
Interested in bringing Summer Premium to your company? Talk to us about partnering with Summer.
We’re here to help you become debt-free.
Our unique approach comes from years of experience working in student loan policy.
More importantly, we’re borrowers too. We know what it’s like to deal with student loan debt.
“My situation is frustratingly complex with many types of loans. It’s been remarkable to have Summer in my corner helping me with a customized plan, saving me nearly $20,000 this year! I couldn’t have done this alone.”
Corry P.
"Summer was a ray of hope for us when we were feeling completely overwhelmed by our family’s student debt. Trying to navigate the government’s confusing repayment plans was like opening a can of worms. We truly appreciated having Summer on the line with us when we called our loan servicers. Thank you Summer!"
Sue and Tom P.
“With the information that Summer provided, I was able to reduce my interest rates and expect to save nearly $10,000 over the life of my loan.”
Peter S.
"I have had major anxiety about my accumulated student loan debt and interest. I was thrilled with how easy it is to manage and pay down my debt with Summer's help."
Jennifer C.
"Summer is educational and helpful. It helps me understand my student loans. I wish I knew about Summer when I first took out the loans in 2005 because I would have understood the whole process 100% better and signed up for a better deal."
Clare P.
“Summer is the TurboTax of student loans. The platform took a weighty, overwhelming and convoluted decision making process and helped me break it down, step by step.”
Norma G.
COVID-19 resources
We’ve done the homework on all the acronyms and regulations so you don’t have to.
An overview of the provisions of the bill and what they mean for student loan borrowers in repayment.
The provisions in the CARES Act apply to “federally held” student loans. So what does that mean? We’ll break it down by each loan type.
There are a few cases in which borrowers will need to contact their servicers. We outlined them to make it easy to figure out your next steps.
Frequently asked questions
Summer helps you identify, compare, and enroll in the best repayment and forgiveness programs based on your unique loan situation.
Before we submit it to your servicer, Summer reviews each and every application document to check for potential rejection reasons and to avoid servicer mistakes. This helps avoid timely and costly application rejections and issues. (If your loan servicer makes a mistake or rejects your application, it can set you back months—or sometimes up to a year—to make the correction.)
Imagine filing your taxes without the help of an accountant or tax software—that’s how it can feel to sort through the student loan landscape on your own. And that’s why Summer is here to help!
Summer was created by a team of student loan borrowers who experienced first-hand the complexity of the student loan repayment process and knew there had to be a better way. Since 2017, we’ve been creating tools to help borrowers reduce their monthly loan payments by enroll in savings and forgiveness programs.
No. We are offering open access to our tools and resources to borrowers affected by COVID-19.
Summer is a public benefit corporation with a mission to help student loan borrowers manage the burden of debt. We partner with paying organizations (like financial institutions, employers, and unions) to guide their members through student loan repayment with premium tools, individual consultations, and application assistance.
COVID-19 is having unprecedented financial, social, and health impacts across the U.S., and many borrowers are struggling at this time. We are doing our part to help alleviate this burden.
If you recently lost your job or had a significant reduction in income, enrolling in an income-driven repayment (IDR) plan could lower your monthly payments.
Income-driven repayment is an umbrella term referring to several federal repayment plans that all have monthly payments calculated based on your income and family size. If you’re out of work, your monthly payments could be as low as $0.
Enrolling in IDR is a great way to free up cash that you may need for groceries and other important items. Per the recent government announcement, interest will not accrue on your student loan balance during this time. If you’re still seeing interest accrue, the interest waiver should be applied automatically and will be retroactively applied to the date of the announcement: March 13, 2020.
Enrolling (or staying enrolled) in IDR has several distinct benefits. Income-driven repayment plans will help ensure that your monthly payments—even if reduced to $0—will count towards IDR forgiveness and programs like Public Service Loan Forgiveness.
While your application is being processed (which can take several weeks), you can also contact your servicer and request a temporary deferment or forbearance if you can’t make a payment that’s due soon. Many servicers have limited resources and staff right now. We encourage you to reach out via email so there is a written and time-stamped record of any request to your servicer in addition to calling.
If you are already enrolled in an income-driven repayment plan and your income recently decreased, you can recalculate your repayment plan to lower your monthly payments. You do not need to wait until your recertification deadline to do this if your income has changed.You can use Summer’s tool to submit the form and lower your payments.
If you are fortunate enough to be working in a stable, salaried job and you’re able to make your student loan payments, you should continue doing so in your current plan. If you have private student loans, this may be a good time to think about refinancing them. The Federal Reserve recently lowered interest rates, which means that you may qualify for a lower interest rate on your loans. If you’ve already refinanced your loans, you may be able to do so again for an even lower rate!
You can find more information on optimizing your loan payments on Summer’s blog.
More questions? We’ve got you covered! Check out our Help Center or send us a message.