Federal student loan borrowers on income-driven repayment plans see an average +36-point credit score increase within 4 months — on top of the boost you already get from rent reporting.
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A three-step path from where you are to lower payments + better credit.
Step 1
We look at your loan balance, plan, and income to see whether you qualify for a federal income-driven repayment plan.
Step 2
If you qualify, we show your new monthly payment and total savings before you commit to anything.
Step 3
Enroll through our partner Array. On-time payments under the new plan average +36 credit points in 4 months.
If we don't help you save at least $500 per year on your student loan payments, you pay nothing.
Full terms will be published when the program launches.
Roughly 16.7 million of 42.7 million federal student loan borrowers in the U.S. qualify for a payment reduction under income-driven repayment. We'll tell you up front whether you're in that group — before you apply for anything.
Get Notified When We LaunchAverage credit-score figures sourced from Federal Reserve Bank of NY, Liberty Street Economics, March 2026. Individual results vary.
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