Confused About Your Student Loans? Get Free Help Today

Free, confidential support to understand your options, avoid costly mistakes, and reduce your monthly payments.

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Free and Confidential. Non Profit Support. No Obligation.

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No one really talks about this part of student loans…

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We are a nonprofit resource. No sales, just a live person to talk you through your options.

How We Can Help?

Help Understanding Your Options

We explain your student loan types and walk you through repayment, forgiveness, and relief options available to Wisconsin borrowers.

Get Out of Default

If your loans are in default, we guide you through rehabilitation and consolidation options to regain good standing.

Stop Collections & Garnishment

We help you understand your rights and steps to potentially stop wage garnishment or collection actions.

Lower Your Monthly Payments

We help identify income-driven repayment plans that may reduce your monthly payment based on your income.

Explore Loan Forgiveness

Learn whether you qualify for Public Service Loan Forgiveness, IDR forgiveness, or other available programs.

One-on-One Support

Speak confidentially with a trained counselor who will help you create a personalized plan.

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CALL US
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Email Us
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First, Know This: You Are Not Alone!

Over 700,000 Wisconsinites hold student loan debt. These borrowers are facing the same questions you are:

✅ How do I lower my monthly payment?

✅ What happens if I miss a payment?

✅ Am I eligible for loan forgiveness?

✅ How do I get out of default and stop collections?

The good news is, there are solutions. Federal student loan programs include repayment plans based on your income, temporary relief through forbearance or deferment, and paths to forgiveness like Public Service Loan Forgiveness (PSLF). Even if your loans are in default, there are proven ways to get back on track.

The challenge? Navigating these options can feel like a full-time job. That’s where we come in..

Get Reliable, Straightforward Information

📞 Call the DebtSmarts Student Loan Helpline now at 833-589-0750.
📧 Prefer email? Reach out to us at info@debtsmarts.org

When you need help with your student loans, it’s critical to get trusted, accurate information. There’s a lot of noise out there — and unfortunately, many scams.

DebtSmarts.org is here to be your trusted partner. We keep up with the latest updates to federal student loan programs, repayment options, and forgiveness criteria. We’ll explain your options clearly, in plain language, so you can make informed decisions.

Don’t wait for things to get more stressful. Reach out today and take the first step toward relief.
Unlike trying to reach your loan servicer, you won’t stay on hold for hours when you call us. We’re available to answer your call with little to no wait time from Monday to Friday, 8:00am-4:30pm.

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CALL US
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Email Us
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Frequently Asked Questions

  • Yes. All of our services are completely free. We’re here to help you understand your options—no fees, no hidden costs.

  • No. We are not a lender or a debt settlement company. We provide unbiased guidance so you can make informed decisions about your student loans.

  • We can help you:

    • Understand your loan type and status

    • Explore repayment options

    • Avoid costly mistakes

    • Navigate deadlines and program changes

  • Anyone with student loans, including:

    • Recent graduates

    • Parent PLUS loan borrowers

    • Borrowers unsure about repayment options

    • Anyone feeling overwhelmed or confused

  • 📞 Call our helpline: 833-589-0750
    📩 Email us: info@debtsmarts.org

    🕒 We’re available Monday–Friday, 8:00 AM – 4:40 PM (Central Time)

    We’ll help you understand your next step.

  • The DebtSmarts Student Loan Helpline connects borrowers with free, trusted guidance on repayment plans, forgiveness programs, and getting out of default.

  • Anyone with student loans can call the helpline, especially borrowers feeling overwhelmed by payments, in default, or confused about forgiveness programs.

  • No. The DebtSmarts helpline is completely free and confidential. We are here to help you understand your options, without fees or sales pitches.

  • Yes! Our team can explain PSLF eligibility, application steps, and walk you through how you can ensure your employer and payments qualify.

  • We’ll review your options to get out of default, such as loan rehabilitation or consolidation, and explain how to protect your credit and avoid collections.

Still have questions? Take a look at the FAQ or reach out anytime. Don’t worry this is a CONFIDENTIAL GUIDANCE!

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Money Smart Wisconsin Scholarship winners

We’re proud to share that the Money Smart Wisconsin Scholarship winners have been selected!

This program helps empower families to take meaningful steps toward education savings and financial confidence.

YOU CAN BE NEXT!

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