LoanSense - Trusted Student Loan Experts
Reduce your payments. Qualify for loan forgiveness. Reduce your debt-to-income ratio & qualify for a mortgage with student loans.
Other Big Financial Decisions - We are here to advocate for you.
We target problems you might face
Reduce your payment by 50%
LoanSense experts help you enroll into the best plan to achieve your goals and will even liaise with HR for your employer signatures. We use data to track and reduce the errors that 71% of users commit.
Close on a house 30% faster
LoanSense is the ONLY trusted loan experts in the mortgage industry. We build a plan to reduce your debt-to-income ratio, improve your credit by ~20 points and qualify you for a mortgage faster. Our experts guide you through the best actions for short and long terms loan success.
Save $10,000s in loan forgiveness
LoanSense is building the gold standard in advising on loan forgiveness. We will fight to get extra payments refunded, refile to get $1000s in prior payments counted toward loan forgiveness, and even help weigh the options to refinance or consolidate. We are the ONLY service that provides continued digital support and a 100% money back guarantee - that's how confident we are that you will love us.
Get better repayment strategies in 7 minutes
Check your elegibility in 3 minutes
Don't know if you are qualified for better plans? By answering 6 questions, you will know if there are better repayment plans you can eneroll in.
Recommend better plans that help you save $1000s
Our software defines that best repayment strategy for you based on your financial goals.
Understand your interest savings when paying faster
If you pay a few dollars more each month, when will you be done paying and how much will you save? Know that so you can plan for other financial goals.
Learn how student loans affect your income taxes
Marriage may affect your student loan payments. Our tax calculator takes the guess work out of your decision to file jointly or separately. We recommend how to file your income taxes to optimize savings.
Paperwork and payment tracker
File your paperwork late and your payments increase - don't let that happen to you. LoanSense will update you on your due dates and track qualifying payments for loan forgiveness.
Join LoanSense and become debt-free
Free
Personalized repayment plan recommendation, Monthly payment calculator, Marriage calculator, Refinance tool, Student loan resources.
SIGN UP NOWPayment Plan
Enrollment Service
Quicker + more accurate
$129
/annual payment
Free features, plus:
•LoanSense automated filing service
•Up to two employer filings and one payment plan enrollment included.
•Loan expert reviews paperwork & submits it
•LoanSense liaises to HR and gets your employer signatures
•Paperwork tracker eliminates errors
•Letter templates eliminates hassle of dealing with your servicer.
•Extra LoanSense app features
•Student loan dashboard
•Reminders for important student loan deadlines
SELECT THIS PLANStudent Loan Expert
Counseling Service
Expert Advice + Help to execute.
Save $1000s.
$295
/one-time payment
Free features, plus:
•1:1 counseling session with student loan expert
•Bring Best Practices to your Loan Payoff Plan
•Informational resources for more indepth answers to your questions
•Extra LoanSense app features
•Student loan dashboard
•Reminders for important student loan deadlines
SELECT THIS PLANBoth Plus More perks
LoanSense joins your family + Helps you achieve financial freedom
$399
/one-time payment
Free features, plus:
•1:1 counseling session with student loan expert
•LoanSense automated filing service
•Extra LoanSense app features
•Weekly pro tips and ongoing digital suppoer
SELECT THIS PLANHow we successfully helped our clients
Healthcare professional recevied over $117,000 back from FedLoan with LoanSense expert help
Dr. Ahmed is a Radiation Oncologist and decided to accelerate payoff without understanding the projected forgiveness amount of nearly $300,000. After Dr. Ahmed's meeting with LoanSense expert, he decided to pursue loan forgiveness. Our expert called FedLoan with him and Dr. Ahmed received a refund from the US Treasury for over $117,000 in extra payments.
Public Service Attorney received over $6,000 in prior payments counted towards loan forgiveness
Melissa's auto-debit was 1 day late and FedLoan put her on "paid ahead status" which subsequently did not count her next payments. She filed to enroll in loan forgiveness and was rejected. None of her 3 years of payments counted towards forgiveness.
LoanSense expert re-filed Melissa's paperwork. This resulted in 27 payments counted and $6000 in savings.
Want to close on a home but your debt-to-income ratio is too high because of student loans?
Catalina, LoanSense founder and Founder of FindMyWayHome detail how we collaborate to help student loan borrowers achieve their dreams of homeownership. LoanSense is armed with the tools and network to help borrowers get on the right loan plan, increase your credit score by ~20 points and partner with mortgage credit experts to help you navigate both the student loans and mortgage process to close 40% faster.
Our product is 100% research based
OLD METHOD
When do I start paying my loan?
Lost e-mail from servicer
Scramble to find your servicer log on and set up payment. Or call them and let them recommend a plan (often not the best plan).
Financial goals change and payments are no longer affordable. Or servicer suddenly increases payments because they enrolled you in a graduated plan.
You lose $1000s in extra interest or unable to qualify for loan forgiveness.
WITH LOANSENSE
Upload loans. Advise on best plan.
Either contribute early to lower amount of capitalized interest or get on the best plan.
Know what to do and when to do it.
LoanSense updates information annually because life changes.
We Review. Reassess. Refile.
LoanSense supports you so you are not alone. We saves you 30% to 50% off your entire loan balance. Make a plan today!
Want to ask something about us ?
How to contact us?
Technical assistance support@myloansense.com
Customer service loanhelp@myloansense.com
General inquiries info@myloansense.com
What is your money back guarantee policy?
If we can't help you save, then ask for your money back within 72 hours. You can find the full policy here. The main point is we want you to be happy with our service and refer us to others!
If I have been paying for months or years and don’t know if they are counting towards forgiveness, how does LoanSense help?
We file all your paperwork for prior employers to get past payments counted. We have a track record of getting $4000 to over $20,000 of past payments counted towards loan forgiveness.
If I want to buy a house, how does your service help me with my student loans?
We make sure to get you on the best plan to reduce your debt-to-income ratio based on the mortgage loan type. We also have access to mortgage brokers in all 50 states that understand how student loans impact mortgage lending. We are happy to refer you, so you can best make student loan decisions based on how it impacts your chances of closing on a house.
After I purchase, what's next?
For counseling, you will automatically receive a link to book your session with our student loan expert on the next screen. You will list all your loan questions in the appointment scheduler, so we can prepare all your answers/analysis ahead of time. You will leave with a comprehensive loan plan for you and your spouse including clear next steps (for immediately, a month from now and 6-12 months from now) as well as receive informational resources for more in-depth answers to your questions.
For filing, you answer a few questions with your income documentation. Once you hit submit, you will receive an automated email. If you are a public servant (work for a nonprofit or government agency), you will receive a text to send to your HR department. Follow those instructions. LoanSense system will follow up with you automatically if there is any discrepancies in the information submitted. Otherwise, expect an e-document signature within 3-5 business days. We have human eyes check your work. We streamline all the way to HR and double check for the 9 most common paperwork filing errors. We help individuals’ access $1000s in forgiveness and improve your credit by 9-20 points. For Counseling and Filing: you book your appointment, then complete the filing process.
Do you all stay up to date with all the changes to the federal student loan program?
Absolutely! We will send periodic updates. You can also follow LoanSense on YouTube, LinkedIn, FB as well as our blog for updates.
LoanSense was founded by Catalina Kaiyoorawongs, A Gates-funded Education Policy fellow. We were built to better advocate for public servants and those that needed access to the income-driven plans! We not only stay up-to-date but we help others, including financial advisors and credit counseling agencies stay up to date. You will never be alone and will always have someone watching out for you. Here is our founding story.
Partners
Security
LoanSense uses 256 bit encryption, the standard bank level encryption, to protect user data.
Privacy
We do not share employees' personal data with any third parties for marketing purposes.