Federal student loan notice decoder

Decoded, deadline by deadline. Not decided for you.

The notices your student loan servicer sends — recertification reminders, PSLF payment counts, transfer letters, delinquency and default notices — are dense, jargon-filled, and often time-critical. Repay translates what the notice says, surfaces every deadline with its consequence, and presents your options without ranking them.

Analyze a notice
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Loan ServicerPUBLIC SERVICE LOAN FORGIVENESS —PAYMENT COUNT UPDATE“Qualifying payments credited: [XX] of120.”SPECIMEN
What Repay is
A document decoder and information tool.
What Repay is not
A lawyer, a loan counselor, or a financial advisor. It provides information, not advice.

Decode a notice

Copy the full text of your servicer notice — email, letter, or account message — and paste it below. Nothing is stored; the text is analyzed in memory only. Have a PDF or a photo? Paste the text for now — direct upload is coming soon.

0 / 60,000 characters

Demo mode

See a sample analysis — no notice, no API key needed.

Built-in limits

What Repay won't do

Repay never calculates what your new payment will be, never tells you whether you qualify for PSLF, and never predicts outcomes — those depend on facts (your income, your employment history) the notice doesn't contain.

Notices Repay can read

Descriptive, not ranked — the order below is not a priority order.

Loan ServicerNOTICE OF INCOME-DRIVEN REPAYMENT — ANNUALRECERTIFICATION“Recertify your income and family size by[DATE]...”SPECIMEN

IDR recertification

The deadline to renew your income-driven plan, and what changes if you miss it.

Loan ServicerPUBLIC SERVICE LOAN FORGIVENESS — PAYMENTCOUNT UPDATE“Qualifying payments credited: [XX] of120.”SPECIMEN

PSLF payment count

Your qualifying and required payment totals, as printed — remaining is simple subtraction.

Loan ServicerPUBLIC SERVICE LOAN FORGIVENESS —APPLICATION DECISION“Your application for forgiveness has beendenied. Reason: [STATED].”SPECIMEN

PSLF denial

Why a forgiveness application was denied, and what reconsideration options the notice mentions.

Loan ServicerNOTICE OF SERVICING TRANSFER“Your loans will transfer to a newservicer on [DATE].”SPECIMEN

Servicer transfer

What's changing hands, what to verify before and after, and what a transfer can't change about your loan.

Loan ServicerNOTICE OF DEFAULT“Your loan is in default. The full balanceis now due.”SPECIMEN

Default notice

What default means for your balance, your credit, and your wages — and the paths back to good standing the notice lists.

Loan ServicerNOTICE OF PAST-DUE PAYMENT“Your account is [XX] days past due.Amount due: $[XXX.XX].”SPECIMEN

Delinquency notice

How many days past due you are, what happens next, and what stops the clock.

Loan ServicerFORBEARANCE STATUS NOTICE“Your payments are paused through [DATE].”SPECIMEN

Forbearance notice

What's paused, what still accrues, and what a pause does or doesn't count toward.

Loan ServicerACCOUNT NOTICE“This notice contains information aboutyour student loan account.”SPECIMEN

Any other notice

Doesn't fit a specific type? Repay still surfaces every deadline, amount, and option it finds.

Talk to a real person

These organizations are free or low-cost and can help beyond what any document decoder can. This list appears regardless of what your notice says.

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