Automatically imports every loan disbursement, interest rate, servicer, and repayment status with 100% accuracy.
- Log in to StudentAid.gov with your FSA ID.
- Click your name in the top right corner and select My Aid (or go to your Dashboard).
- Click the "Download My Student Data" button in the top right of the page.
- Save the text file to your computer or phone and upload it above.
Imported Federal Loan Portfolio:
Provide your household and employment details. This allows our engine to calculate your exact Federal Poverty Line (FPL) discretionary income and evaluate PSLF/Teacher forgiveness.
Employment & Forgiveness Qualifiers:
Here are your approved repayment plans compared side-by-side with your forgiveness forecast.
These plans are preliminary calculations based on your manually entered loan balance. Exact payments, interest capitalization subsidies, and forgiveness credit dates require your verified Department of Education NSLDS file.
Create a free account to store your evaluated loan plans. You'll receive automated 90, 60, 30, and 7-day reminders before your annual deadline, and you can log back in anytime to update your income with 1 click.
Your official federal application packages have been pre-filled and verified for your loan servicer (Aidvantage).
New Monthly Payment: $75.48/mo • Projected Forgiveness: $16,840.00
Official Department of Education File Required to File
PREVENTS SERVICER REJECTIONBecause you entered your loan portfolio manually, your calculated repayment plan is a preliminary estimate. Loan servicers (Aidvantage, MOHELA, Nelnet) require exact 16-digit disbursement sequences, interest capitalization amounts, and servicer-linked loan IDs on official OMB Form 1845-0102. Applications submitted with unverified or guessed amounts face processing freezes or rejection.
To protect your credit and ensure legal acceptance, we will not charge you $49 for estimated paperwork. Instead, please download your official file from StudentAid.gov. It takes only 30 seconds and guarantees your legal filing package is 100% verified, audit-ready, and approved.
To unlock your pre-filled, audit-ready Department of Education OMB application packages (1845-0102 & 1845-0072) with Page 1 executive instructions and servicer routing, complete your one-time $49 application fee.
Based on your verified Department of Education loan records, your fastest and safest filing option is 100% online portal upload. No postal mailing is required.
Each download includes Page 1 (Executive Filing Guide & Servicer Directory) and Page 2 (Official OMB Form pre-filled from your verified Department of Education data):
Pre-filled with your chosen repayment plan, family size, state, and AGI. Includes full directory of servicer upload portals.
Pre-filled employer certification package with qualifying employer details and 100% tax-free discharge reference.
Sign with pen ink or draw your electronic signature. (Note: Do not use typed cursive font signatures; servicers reject them).
Attach a copy of your most recent federal IRS tax return (Form 1040) OR last two consecutive pay stubs if income changed.
For PSLF, have your authorized HR / Payroll administrator sign their half of Section 4 to certify full-time public service.
Log in to your loan servicer (Aidvantage) and upload your signed PDF + income proof directly:
Skip printing and postage. Nova Satus transmits your completed 2-page OMB application package electronically to your servicer's dedicated toll-free receiving line (Aidvantage: 866-266-0178) and instantly issues an official Certificate of Transmission & Proof of Timely Filing PDF admissible under 34 C.F.R. § 685.209 and 11 U.S.C. § 523(a)(8).
📮 Option C: Free Print & Mail or Manual Fax (Fallback Only) Click to expand ↓
When to use: Only use mail or fax if you cannot access your online account or your servicer website is down. (Do not submit both online and by mail, as duplicates cause processing freezes).
Aidvantage IDR Fax: 866-266-0178
MOHELA Dedicated PSLF Fax: 866-222-7060
Keep fax transmission report as legal proof.
Aidvantage IDR Address:
Aidvantage, Attn: ED Loan Repayment, PO Box 300001, Greenville, TX 75403-3001
Send via USPS Certified Mail with Return Receipt.
Federal regulation (34 C.F.R. § 685.209) requires you to recertify your income and family size every 12 months. Missed recertifications result in interest capitalization and payment spikes up to the Standard 10-year amount.
• $10: 1-Click Certified e-Fax with Court Receipt
Servicer generates an on-screen Reference / Tracking ID and sends an automated confirmation email.
Log in to your servicer and check Documents → Upload History. The status will show Received or In Review.
Servicer issues your formal Repayment Schedule Disclosure confirming your new monthly payment amount.