• Descifra

    Your Student Loan Strategy Starts Here. Personalized analysis. Clear recommendations. A smarter path forward.

  • Complete this form so we can analyze your federal student loans and develop a personalized strategy.

    For the Best Experience, Use a Computer

    We recommend completing this form on a desktop or laptop computer, as you will need to download your federal student loan data file (NSLDS) from StudentAid.gov and upload it here. Completing this process on a mobile device may be more difficult.

    How Does It Work?

    1. Complete the Form and Upload Your NSLDS File

    Provide the necessary information about your student loans, income, employment, family, and financial goals. You will also be able to upload your NSLDS file, which contains your federal student loan history.

    2. We Review Your Information

    Once we receive your form, we will review the information to ensure everything is complete. If we need to clarify any details or request additional documents, we will contact you by email. Once everything is ready, we will send you payment instructions.

    3. We Analyze Your Situation and Develop Your Strategy

    After receiving payment, we will analyze your student loans, evaluate the available repayment options, and identify potential opportunities specific to your situation.

    4. Receive Your Personalized Strategy

    Within approximately one week, you will receive your Descifra Report by email, along with a detailed explanation of the recommended strategy, important considerations, and next steps.

    Your analysis also includes six months of email support regarding your original strategy.

    There is no charge for completing this form.

    If you have any questions about our service or the process before getting started, feel free to contact us at info@descifra.co.

    Your Privacy and Security Matter to Us

    Your personal and financial information will be treated confidentially and used solely to evaluate your student loans and develop your personalized strategy. We take your privacy seriously and do not sell or share your information for marketing purposes.

  • About You

    Every great strategy starts with understanding your unique situation.
  • Format: (000) 000-0000.
  • How are you receiving this service?*

  • Employment & PSLF

    Your career path could open the door to valuable student loan forgiveness opportunities.
  • What is your current employment arrangement with this employer?*
  • Do you work full-time for this employer?*
  • Do you currently work for the government or a nonprofit organization? For example: federal, state, or local government; public hospital; public university; or nonprofit organization.*
  • When did you start working for your current employer? *
     - -
    2 digit month, 2 digit day, 4 digit year
  • Have you previously worked for the government or a nonprofit organization?*

  • Income & Family

    Your income and family circumstances can make a significant difference in how much you pay.
  • What is your current marital status?*
  • The amount provided above represents:*
  • What tax year does this return correspond to?*
  • Is your current income significantly different from the income reported on that tax return?*

  • Retirement Plans

    Planning for retirement and managing student loans can go hand in hand.
  • Do you currently contribute to a retirement plan through your employer?*
  • How are your retirement contributions primarily made?*

  • Your Student Loans

    Your loan history may reveal opportunities to save thousands of dollars or reach forgiveness sooner.
  • Upload a File
    Drag and drop files here
    Choose a file
    Cancelof
  • Do you have private student loans in addition to your federal student loans?*
  • Does your spouse have federal student loans?*

  • Your Spouse's Student Loans

    When both spouses have student loans, the right strategy considers the bigger picture.
  • Do you have access to your spouse's federal student loan data file?*
  • Upload a File
    Drag and drop files here
    Choose a file
    Cancelof
  • What is your spouse's current repayment plan?

  • Your Goals

    The best student loan strategy isn't always the one with the lowest payment—it's the one that fits your life.
  • What is your primary goal for your student loans?*
  • Do you expect your income to change significantly over the next 12–24 months?*
  • Do you anticipate any major changes in your family situation over the next 12–24 months? For example: marriage, divorce or separation, birth or adoption of a child, or changes in your dependents.*
  • ¿What changes do you anticipate?*

  • Is there anything else you believe is important for your analysis?

    For example:

    Significant changes in income or employment, marriage or divorce, having a child, relocating, buying a home or business, retirement contributions, your spouse's student loans, career plans, or any other financial or personal circumstances that may affect your student loan strategy.

    Please take a moment to elaborate on anything you believe may be relevant, even if you're unsure whether it matters. The more we understand your circumstances, goals, and future plans, the better we can identify opportunities and develop a strategy tailored to your needs.

     

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