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.

Corry

“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.

Peter

“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.

Norma G.

“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.

Corry

“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.

Peter

“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.

Norma G.

“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.

The CARES Act and What It Means for Your Student Loans

An overview of the provisions of the bill and what they mean for student loan borrowers in repayment.

Do I Qualify for the CARES Act Student Loan Benefits?

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.

When and How to Contact your Student Loan Servicer During COVID-19

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

More questions? We’ve got you covered! Check out our Help Center or send us a message.

Find your path out of student debt.