Student Loan Optimization Score | Free Assessment

What is your total student loan balance?

Under $25,000

$25,000 - $50,000

$50,000 - $100,000

$100,000 - $200,000

Over $200,000

What is the average interest rate on your loans?

Under 4%

4-5.5%

5.5-7%

7-9%

Over 9%

Are you eligible for income-driven repayment (IDR)?

Yes, I'm already enrolled in SAVE/REPAYE/IBR/PAYE

I think I qualify but haven't applied

I'm not sure about my eligibility

I have private loans (not eligible for federal IDR)

I don't know what income-driven repayment is

Do you work for a qualifying employer for Public Service Loan Forgiveness (PSLF)?

Yes — government, nonprofit, or qualifying 501(c)(3)

I might qualify — I work in education, healthcare, or public sector

No, but I might switch to a qualifying employer

No — I work in the private sector

I'm not sure what PSLF is

Have you explored refinancing your loans?

Yes, I refinanced and lowered my rate significantly

I've compared rates but haven't pulled the trigger

I'm interested but worried about losing federal protections

I haven't looked into it

My credit score is too low to refinance

What percentage of your monthly income goes to loan payments?

Under 10% — very manageable

10-15% — comfortable

15-20% — noticeable but manageable

20-30% — it's a real burden

Over 30% — I'm struggling

How many years until your loans would be forgiven (if on IDR/PSLF)?

Under 5 years — forgiveness is close

5-10 years

10-15 years

15-20 years

Not on a forgiveness track / not sure

Your optimization score is ready.

Enter your email to see your Student Loan Optimization Score and personalized payoff strategy.

No spam. Your data stays private. Unsubscribe anytime.

Your Student Loan Optimization Score

Generate Your Free Diagnostic Report

Free

Detailed breakdown, peer benchmarks, prioritized action plan, and 30-60-90 day roadmap.

Generate Your Free Report

Instant results. No payment required.

Email your results + custom payoff roadmap:

No spam. Unsubscribe anytime.