Save on your student loan payments!
How Payitoff works
Connect your student loan accounts.
See which repayment plan can save you the most money.
Select the best option tailored to you and apply in minutes.
We'll help you find the right path
Earnest wants to help take the stress out of student loan payments. Income-driven repayment plans can help make loan payments more manageable based on borrowers' income and family size. These plans typically cap the monthly payment at a certain percentage of the borrower's discretionary income.
Let us do the heavy lifting
Payitoff helps with the enrollment process, so saving money is easy. You can save money by changing your plan. We will file your application for you, and keep you posted on the status!
Some borrowers may also be eligible for debt forgiveness options, like Public Service Loan Forgiveness or Teacher Loan Forgiveness, that may have different benefits or eligibility requirements than those here. Some may also consolidate commercially held federal loans with the US Dept. of Ed. to access more options. Please visit studentaid.gov to learn more.
Have more questions?
Check out our FAQ or email us at help@payitoff.io.