Lower your student loan payment. Buy the home you want.
Talk with a student loan expert for free. You leave with your recommended plan, your estimated new payment, and a clear quote. No obligation.
Estimate your new payment
Two numbers. Ten seconds. No signup.
Your estimated new payment
$—
Increase in home buying power
$—
This estimate is not a loan approval. Your advisor confirms your payment with your actual loan data on your review.
$654/mo
average lower student loan payment
$99,802
average increase in home buying budget
21 days
to paperwork your lender can use for underwriting
Averages across LoanSense clients. Individual results vary.
WHAT HAPPENS ON YOUR FREE REVIEW
Twenty minutes. A real plan. A clear price.
- 1
Pick a time that works for you
Choose a slot on our calendar in under a minute. We send reminders and a short checklist so you arrive ready.
- 2
Talk with a student loan expert
We compare your options side by side, including RAP, PAYE, and IBR, and show how your new payment affects your mortgage.
- 3
Get your plan and your quote
You receive a written summary of your plan and your exact price. Enroll when you are ready, or keep the plan. It is yours either way.
WHEN YOU ENROLL
We handle the paperwork, start to finish.
No servicer hold times, no guessing which form you need. Your advisor files, follows up, and keeps your loan officer in the loop.
Forms filed for you
We prepare your forms and send them for e-signature.
Employer signatures
We coordinate with HR when a form needs one.
Servicer follow-up
We confirm your documents are received and processed.
Loan officer support
We help your lender use your new payment to qualify you.
PROGRAMS WE HANDLE
Help for every student loan situation
Lowering your payment is only one path. We also handle the specialized federal programs most borrowers never hear about, and we tell you on your free review which ones fit.
Income-driven repayment and Public Service Loan Forgiveness
We compare RAP, PAYE, and IBR side by side to find your lowest payment, and set you on track for Public Service Loan Forgiveness if you work in government or at a nonprofit.
Ask about this on your free reviewLoan consolidation
Combining your federal loans into a Direct Consolidation Loan can unlock lower-payment plans and forgiveness programs your current loans don't qualify for. We check exactly what you gain and what you give up before anything is filed.
Ask about this on your free reviewLoan rehabilitation
Rehabilitation brings your loans out of default with 9 affordable monthly payments and removes the default record from your credit report, a key step before you apply for a mortgage. We set up your agreement and track every payment.
Ask about this on your free reviewBorrower defense discharge
If your school misrepresented job placement rates, costs, or accreditation, you may qualify to have your federal loans discharged. We help you gather your evidence, build your claim, and file it.
Ask about this on your free reviewEligibility and final decisions are made by the U.S. Department of Education and your loan servicer, and results are not guaranteed. You can apply for federal student loan programs on your own at no cost at studentaid.gov. LoanSense is a private company and is not affiliated with the Department of Education.
HOW PRICING WORKS
Know your price before you commit.
Every student loan situation is different, so every borrower starts with a review. Your advisor explains what your loans need and gives you a clear written quote. You decide from there.
Full-service plan
Everything handled, start to finish
Pay in full or in monthly installments.
- One-on-one session with a student loan expert
- Your forms prepared and filed for you
- Follow-up with your servicer until your new payment is confirmed
- Support for your loan officer so your new payment counts
- Written plan summary you keep
- Deadline reminders and ongoing tips
What shapes your quote
Your price reflects the work your loans need. You only pay for what applies to you.
Referred by your lender?
Many of our 80+ lender partners cover the cost for their borrowers. We confirm this on your free review.
Borrowers who made it to closing
FAQ
Questions, answered
Still wondering? Call (734) 203-7640 or email hello@myloansense.com.
See all FAQsHow much does LoanSense cost?
It depends on what your loans need. Your advisor gives you clear pricing on your free review, before you commit to anything. You can pay in full or in installments.
Why don't you list one flat price?
Some borrowers need one repayment plan filing. Others need consolidation, rehabilitation, or a borrower defense claim first. Quoting after your review means you only pay for what your loans need, and we give clear and accessible education upfront for ABSOLUTELY FREE!
What happens on the free review?
A student loan expert spends 20 minutes by phone reviewing your loans and goals. You leave with your recommended plan, your estimated new payment, how it affects your mortgage, and a clear quote if you want us to handle the work.
Is the review really free?
Yes. You leave with your recommended plan and estimated payment whether or not you move forward.
Do I have to buy anything?
No. There is no obligation. If you'd like us to handle your filing, your advisor explains the options and you decide.
What should I have ready?
Your studentaid.gov login and a rough idea of your income. We send a short checklist when you book.
What services do you help with?
Income-driven repayment plans, Public Service Loan Forgiveness, loan consolidation, loan rehabilitation for loans in default, and borrower defense discharge claims. Your advisor tells you which apply to you.
Can I apply for these programs myself?
Yes. You can apply for federal student loan programs on your own at no cost at studentaid.gov. Borrowers work with us for expert guidance on which program fits, error-free paperwork, and follow-up with their servicer. We assist in servicer error management and make your life less stressful.
Will a lower payment help me qualify for a mortgage?
Often, yes. Lenders look at your debt-to-income ratio, so a lower student loan payment can increase how much home you qualify for. Our clients see an average increase of $99,802 in home buying budget. Individual results vary.
Have private student loans?
Compare refinance offers from premier lenders through CampusDoor.
Find out what your loans need. Free.
Book a 20-minute review and leave with your plan, your new payment, and your price.
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