Take the First Step to UNDO Student Loan Stress
Get Relief from Student Loan Debt
Student loan debt affects millions—but there are solutions. With the right guidance, you can lower your monthly payments and start building a more stable financial future.
Speak With a Student Loan Specialist — At No Cost
Get a quick review of your situation and see what options may be available to lower your monthly payment.Federal Loan Options Reviewed for You
We go over programs like income-driven repayment and forgiveness options to help identify what you may qualify for.A Plan Built Around Your Situation
Receive a personalized approach based on your loans, income, and long-term financial goals.
$50,000 In Debt
Without FirstStep:
$334 per month in Standard Repayment -
High monthly payments can strain your budget, making it harder to manage other financial goals.
$0 estimated forgiveness amount
Without expert guidance, you may miss out on potential loan forgiveness opportunities.
Going it alone could cost you.
Without professional guidance, it’s easy to overlook programs that could benefit your situation.
$50,000 In Debt
WITH FirstStep:
As low as $0 per month in IBR
Lower your monthly payments and free up funds for what matters most.
$81,890 potential forgiveness amount
Maximize savings with expert assistance in navigating loan forgiveness programs, like PSLF.
Expert guidance, real savings.
With our one-on-one coaching sessions and ongoing support, you can be confident you’re on the right path.
$334
Saved on monthly payments
15 yrs
Saved on total payoff duration
$81,890
Potential forgiveness amount
FirstStep was fantastic. They proactively managed my renewal, kept me updated, and handled all documentation meticulously. I definitely couldn't have tracked everything this well on my own. Highly recommended!"
John D
How does it work?
You tell us the type of leads you want, we deliver them in just a few days.
1
Organize Your Student Loan Debt
FirstStep Solutions helps you review and apply for consolidation of your federal student loan debt. Our proven system guarantees document accuracy to find you the programs, benefits, and forgiveness options you qualify for.
In just three easy steps, our verified algorithms analyze your data to match you with the right plan to fit your needs.
2
Qualify & Pick Your Plan
There are multiple repayment programs available through the Department of Education, the one that’s right for you depends on your income, family size, and even your line of work. These factors can significantly impact your eligibility for certain plans and forgiveness options (yes, FORGIVENESS is an option you may qualify for).
Choosing the right path can be confusing. That's where we come in! FirstStep Solutions has helped THOUSANDS of borrowers navigate the process, complete their paperwork correctly, and enroll in plans that better fit their budget.
Start your First Step for free and see what you may qualify for.
3
Apply & Stay Updated
Accounts in one spot… check. Plan that’s right for you… done. Now kick back and relax while we put your new plan into action. We ensure your forms are complete, correct, and filed right—the FIRST time—to get you started fast.
With FirstStep Solutions, you’ll receive ongoing updates throughout the Department of Education’s review process.
From submission to approval, our team of experts keeps you informed every step of the way so you'll always know where you stand.
Your questions answered
Does it cost money to see what programs I qualify for?
No. We provide a free assessment to help you understand which student loan programs and repayment options may be available to you. There’s no obligation. If you choose to use our document preparation services to complete, file and monitor your application, there is a fee for those services.
How can I make sure that the leads you provide are qualified?
Our systems advanced algorithms know exactly what to ask and what to look for in order to show you the best programs available to fit your needs. We start by asking a few simple questions about your income, household size, and student loans. Based on your information, we review the repayment and consolidation options you may qualify for and present them in a clear, easy-to-understand way.
You’ll be able to compare your options and see the potential benefits of each. One of our expert advisors will walk you through everything and help you choose the right path.
How long does it take?
On average, it takes about 10 minutes to input your information and generate which programs you qualify for. It takes about 30 to 45 days after the filing for the consolidation to be funded and fully completed by the DOE.
My loans are in default! Can you still help?
Absolutley! If you’ve missed payments or are having your wages garnished due to student loans, FirstStep can help you file for the DOE’s rehabilitation program to help you get back on track.
While enrolled, your monthly payment is calculated down to 15% of your discretionary income plus $5. After 9 on-time payments, you then become eligible for full consolidation.
How do I know if I qualify for forgiveness?
Student loan forgiveness programs are designed to help eligible borrowers reduce or eliminate part of their remaining federal student loan balance.
Some of the most recognized programs, such as Public Service Loan Forgiveness (PSLF), are available to individuals working in qualifying public service careers, including education, healthcare, and emergency services.
Schedule your free consultation to see what forgiveness and repayment options may be available to you.
I’ve consolidated in the past but I want to switch my plan. Is that possible?
Yes, borrowers can change repayment plans if their financial situation changes. If you have recently started or ended a new job, changed your marital status, had a baby, or relocated to a different state, you may qualify for a new repayment program that better reflects your current needs.
If you’ve had any major changes in your life, a quick plan checkup is always a good idea.
Once I consolidate, will I stay on the same repayment plan until my loans are paid off?
It depends on the repayment plan you choose. If you’re enrolled in the Standard Repayment Plan and continue making consistent payments, you’ll typically remain on that plan until your loans are paid in full.
If you choose an income-driven repayment (IDR) plan—or any program that requires income verification—you’ll usually need to recertify your income and household information each year. If your situation changes, you may also have the option to explore a different repayment plan.
Take Your FirstStep Today
Free consultation - Connect with a student loan expert and see what repayment options you qualify for.
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