
Let’s lower your student loan payments together.
We’ve partnered with the American Federation of Teachers to give members like you free access to tools that simplify your student debt.
Already have a Summer account? Sign in
If you have any questions about Summer and AFT’s partnership or how you can sign up please contact [email protected]

Let’s lower your student loan payments together.
We’ve partnered with the American Federation of Teachers to give members like you free access to tools that simplify your student debt.
With Summer you can:
- Lower your payments
- Apply for loan forgiveness
- Access expert guidance and support
Already have a Summer account? Sign in
If you have any questions about Summer and AFT’s partnership or how you can sign up please contact [email protected]
How Summer works


Summer makes it easy to start saving
Check your eligibility
We’ll check different savings programs to see which ones you’re eligible for.
Compare your options
Get a rundown of the programs that best fit your situation.
Sign & submit—all online
We’ll double-check your forms to help reduce costly mistakes.
Start saving today with our guided applications
Lower your payments
Based on your income, you could qualify for lower monthly payments—even down to $0 if you’re out of work.
We’ll guide you through checking your eligibility and enrolling for an Income-Driven Repayment plan.
Already in IDR and need to recertify? We can also help with that.


Get loan forgiveness
If you work in a public sector or non-profit career, you can qualify to have your remaining debt forgiven after 10 years.
We’ll help you erase your debt through Public Service Loan Forgiveness.
Summer makes it easy to start saving
Check your eligibility
We’ll check different savings programs to see which ones you’re eligible for.
Compare your options
Get a rundown of the programs that best fit your situation.
Sign & submit—all online
We’ll double-check your forms to help reduce costly mistakes.
Start saving today with our guided applications

Lower your payments
Based on your income, you could qualify for lower monthly payments—even down to $0 if you’re out of work.
We’ll guide you through checking your eligibility and enrolling for an Income-Driven Repayment plan.
Already in IDR and need to recertify? We can also help with that.

Get loan forgiveness
If you work in a public sector or non-profit career, you can qualify to have your remaining debt forgiven after 10 years.
We’ll help you erase your debt through Public Service Loan Forgiveness.
We’re here to help you become debt-free.
Our team draws on years of experience to simplify your student loan experience. Our unique approach comes from both our own experiences as borrowers, and from our partnerships with leading institutions like Yale.
We’re here to help you become debt-free.
Our unique approach comes from years of experience working in student loan policy and from our partnerships with Yale and other leading institutions.
More importantly, we’re borrowers, too. We know what it’s like to deal with student loan debt.
Learn the basics (and then some)
We’ve done the homework on all the acronyms and regulations so you don’t have to.
Learn the basics of student loans, from understanding interest to saving money while you repay.
This is a government program that allows some borrowers to pay less each month.