Manage what you owe

An income-driven repayment (IDR) plan is a federal student loan repayment option that sets your monthly payment based on your income and family size.

You'll need to select a new repayment plan within 90 days of receiving your servicer's transition notice. If you don't, you'll be automatically placed on a Standard repayment plan, typically the highest-payment option. Your best move depends on your income, goals, and whether you're pursuing forgiveness. Read our full breakdown to find the right path for you.

If you work full-time for a qualifying government agency or nonprofit, you may be on your way to PSLF. Eligibility also depends on your loan type and repayment plan. Summer helps you figure out where you stand and track your progress toward 120 qualifying payments.

Yes — Summer can audit your existing enrollment, check your qualifying payment count, and flag any errors before they cost you forgiveness credit.

Summer is an online platform that helps you find the best paths to reduce student debt and save smarter for college. Since millions of New York City residents either have student loans themselves, taken on student loans for others, or are planning for their children’s future college costs, the City partnered with Summer to provide this support to residents for free. Through Summer, residents can access additional city, state, and federal resources.

Yes. The platform is free for every New York City resident, no strings attached and no surprise charges later. Just real help, thanks to your city.

Anyone who lives in New York City — across all five boroughs. Whether you’re deep in student loan debt, just starting college, or trying to save for your child’s future, you will soon qualify for access to the platform.

No — New York City is not paying off your loans. What we do is help you find paths to lower what you owe, apply for forgiveness programs, and avoid overpaying. Many borrowers can see their monthly payments drop significantly, and for many that leads to thousands in savings, lower interest charges, or even full forgiveness over time.

Your loan servicer remains the same, and you don’t need to contact your loan servicer to participate. We supplement information that your loan servicer can provide, and if your loan situation requires you to contact your servicer, we will provide step-by-step guidance on what to communicate and how.

We can help you navigate your options for private as well as federal student loans.

Yes. We’ll help you understand what options may be available based on your loan status and guide you through next steps.

We understand that there have been a lot of changes at the federal level that have impacted student loan repayments. While we cannot change or override any federal loan policies, we will help you navigate those changes so that you are up-to-date on your best options, avoid missed payments, and are on track for any forgiveness program you are eligible for.

Yes, your information is safe and secure. Summer will never sell your data. We are SOC 2 compliant and built to protect your privacy from the ground up. We only collect the information needed to help you find and enroll in relevant programs.

Your personal information is shared only with your permission as necessary to deliver these services to you. You can read more in our Privacy Policy and GLBA Privacy Notice.