Optimize Your
Federal Student Loans

Get Started

Optimize Your
Federal Student Loans
Get Started

How Can LendKey’s Federal Student Loan Optimizer Help You?

  • See how much money you stand to save each month with an income-driven repayment plan.
  • Compare your federal student loan repayment options and get a recommendation based on your unique situation.
  • It takes only minutes to get started, even if you don’t know your loan servicer.
  • You won't lose your federal student loan protections including forgiveness.

Get Started

Additional loan repayment and forgiveness options may be available depending on the borrower’s job and other factors. For more information about what options and benefits may be available to you, we encourage you to visit studentaid.gov.
Federal Student Loan Optimizer is powered by Payitoff.  Please visit www.payitoff.io for full terms and conditions.

It's easy to get started



Find and link your federal student loan accounts in seconds


Compare repayment plans based on your unique situation


Choose your plan and apply in minutes

Take advantage and start saving today!

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The next generation of loan participations

Benefits of income-based repayment

On your terms

Monthly payments are based on your income after taxes and necessities.

Potential forgiveness

After 25 years of qualifying repayment, any outstanding balance is forgiven.

Instant savings

Can significantly reduce your monthly federal student loan payments.


Federal Student Loan Optimizer

PSLF is an abbreviation that stands for Public Service Loan Forgiveness. The Public Service Loan Forgiveness (PSLF) Program forgives the remaining balance on your loans after you make 10 years of qualifying payments.

In order to be eligible for PSLF, you must work over 30 hours per week for an eligible employer. Only certain types of loans and repayment plans qualify for PSLF. Qualification for PSLF is through the United States Government. Borrowers are not required to pay income tax on loan amounts that are forgiven through PSLF.

For more information, please visit the Federal Student Aid website.

The Saving on a Valuable Education (SAVE) Plan is a new income-driven repayment (IDR) plan introduced by The Biden Administration in 2023. It aims to relieve student loan borrowers by reducing monthly payments and offering loan forgiveness under certain conditions.

Income-based payment plans are designed to 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, potentially providing more affordable repayment options.

*Represents actual average savings of borrowers who linked their account with Payitoff and qualified for a federal repayment plan. The sample is based on an aggregated set of data representing over $1.5 billion in loan volume across 215,000+ loans on the Payitoff platform