Let’s lower your student loan payments together.

We’ve partnered with the American Federation of Teachers to give you free access to tools that simplify your student debt.

Already have a Summer account? Sign in

States are being launched on a rolling basis. If you would like to expedite your state or local access to Summer or if you have problems accessing your AFT account, please contact Membership at [email protected] or call 1-888-238-5646.

Blue Summer Logo
Summer in partnership with AFT

Let’s lower your student loan payments together.

We’ve partnered with the American Federation of Teachers to give 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

States are being launched on a rolling basis. If you would like to expedite your state or local access to Summer or if you have problems accessing your AFT account, please contact Membership at [email protected] or call 1-888-238-5646.

How Summer works

Sue and Tom D.

"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!"

Tom and Susan P. – Proud AFT Members

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.

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.

Sue and Tom D.

"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!"

Tom and Susan P. – Proud AFT Members

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.

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.

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.

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.

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Learn the basics (and then some)

We’ve done the homework on all the acronyms and regulations so you don’t have to.

Recent Graduates Guide

Learn the basics of student loans, from understanding interest to saving money while you repay.

Income-Driven Repayment Plans

This is a government program that allows some borrowers to pay less each month.

Public Service Loan Forgiveness

Some jobs qualify for government forgiveness after 10 years.

We’re here to help you conquer your debt.

Request early access