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Ready to take control of your student loan debt? Start here!

Say hello to Ed, your digital student loan advocate from the experts at PeopleJoy

Manage your student loans, find the best repayment options and more! Regain your power as a borrower and work toward your financial goals. PeopleJoy helps you get there!

A Primer on Student Loan Debt…

A Federal Loan is money that you have borrowed from the U.S. Government.

A Private Loan is money that you have borrowed from a bank or credit union.

Your monthly payment includes your principle balance and interest.

Principal is the remaining amount of money on your loan.

Interest is the fee the lender charges you to borrow the money. This fee changes depending on your specific interest rate.

A Servicer is the company that collects your payments. Your lender and servicer can sometimes be the same institution, but most of the time they are not.

Student Loan Servicers are private companies hired by the Department of Education to collect loan payments and give advice.

While they are great at collecting payments…
They are not so great at giving advice. What does this mean to you, the borrower? Headaches. Misapplied Payments. Higher Risk of Default.

There’s a better way.

Student Loan Servicers are private companies hired by the Department of Education to collect loan payments and give advice.

While they are great at collecting payments…
    They are not so great at giving advice.
What does this mean to you, the borrower?
    Headaches. Misapplied Payments. Higher Risk of Default.

There’s a better way.

PeopleJoy’s free tool provides quick, simple, no-nonsense guidance on saving money on your student loans

Meet PeopleJoy’s Ed

Your personal student loan assistant in your back pocket.
It’s free.

Upgrade to our paid service and we’ll also e-file your annual paperwork!

The PeopleJoy Difference

Student loan servicers tell you what works best for them.

PeopleJoy tells you what works best for you.

Servicers can be very slow and prone to mistakes.

PeopleJoy provides fast and accurate assistance.

Servicers offer short‑term fixes. PeopleJoy offers long-term solutions.

Servicers can keep you in debt. PeopleJoy helps you to get out.

Servicers don’t explain things upfront. PeopleJoy gives you all the information you need and helps it make sense.

Servicers have long call-waiting times. PeopleJoy will get on the phone for you so that you don’t have to spend time waiting on hold.

Student loan servicers tell you what works best for them.

PeopleJoy tells you what works best for you.

Servicers offer short‑term fixes. PeopleJoy offers long-term solutions.

Servicers can keep you in debt. PeopleJoy helps you to get out.

Servicers can be very slow and prone to mistakes.

PeopleJoy provides fast and accurate assistance.

Servicers don’t explain things upfront. PeopleJoy gives you all the information you need and helps it make sense.

Servicers have long call-waiting times. PeopleJoy will get on the phone for you so that you don’t have to spend time waiting on hold.

Reviews from our clients…

Reviews from our clients…