The City of New York and Summer have launched a first-of-its-kind citywide initiative to help residents save on student loans and college expenses. Live in NYC? Sign up today.

Real financial wellbeing starts with student debt relief

Summer turns student loan stress into guaranteed savings, with over $1.8B delivered and counting.

Learn More
A woman sitting on a park bench
An example of projected savings: $235/mo. and $43,436 total

Trusted by leading employers and government officials

Help lift the weight of student debt

Behind every dollar saved is a story of less stress, more breathing room, and greater freedom.

  • Lilly, a Summer user

    $186,963 Forgiven

    "You all were SO VERY helpful to me in navigating all of the PSLF paperwork. I was so lost for years and just completely overwhelmed that I never even tried to figure out what all I needed to do. Having your assistance and guidance made it all so very easy. To say that I was flabbergasted when I found out that all of my student loans were completely forgiven is an understatement. I even reached out to you to verify that it was true! Thank you, more than words can ever say, Summer!"

    Lilly J.

    Lake County School District

  • Vivian, a Summer user

    $174,709 Forgiven

    "This picture reflects the joy, and gratitude I felt when I received my long awaited student loan forgiveness letter from Mohela. Without the assistance of Summer. I could not have done it. My total student loan debt was $175,000!!! Thank you Summer for all your help through an otherwise difficult and frustrating process."

    Vivian G.

    NYS Department of Labor

  • Steven, a Summer user

    $15,693 Forgiven

    "It took me 5 tries of applying before my loan servicer finally granted me teacher loan forgiveness. The process was unnecessarily complicated, requiring 3 separate application forms and misleading directions from my loan servicer despite working in the same school district my entire career. Summer helped me navigate everything, providing consistent clarity and support when my loan servicer just provided 3-hour hold times. Thanks to them, I saved almost $16,000 in forgiven loans!"

    Steven B.

    City of Boston

  • A photo of Amy

    $5,500 Saved

    "Summer was such an incredible resource during what could’ve been a very stressful process. They answered my questions in a timely manner, and were always very respectful and knowledgeable."

    Amy Carvalho

    Member, CreditKarma

  • A photo of Cristy

    $1,400 Reduction in monthly payment

    “My experience was amazing. My biggest challenge was navigating the student loans process and how to get affordable payments. Summer helped me set up a plan. I finally feel secure and have been able to include this in my budget.”

    Cristy

    LEARN Behavioral

A group of young professionals

College costs are crushing your people. We help lift the weight.

Student loan payments are back, and millions face wage garnishment, credit hits, and steep penalties. Summer connects your employees or residents with federal programs to cut debt, save for college, and keep more money in their pockets.

Flexible options to help your team

We guide each person through the process, handle all the paperwork, and ensure nothing slips through the cracks. In turn individuals see the equivalent of a 6% raise — at the cost of only a few dollars per person for you.

A group of workers in a meeting

1. Optimize Debt

Enable employees to unlock and navigate best-fit repayment or forgiveness programs, hassle-free.

A mom helping her son use the computer

2. Advance Education

Empower employees to estimate future college costs and build a savings plan that works for their goals.

A business meeting between two women

3. Reduce Payments

Decrease employees' student loan debt through direct tax-favorable contributions.*

Hard-working man sitting at a table studying, and making notes

4. Foster Growth

Advance employees' education through tax-favorable contributions towards tuition expenses.

A couple sitting on a dock near a lake

5. Plan for the Future

Match employees' student loan payments with retirement contributions.

*Banking services for the Employer Student Loan Contribution program are provided by OMB Bank, Member FDIC. Any savings guarantees or other benefits described are provided only by Summer PBC, not OMB Bank.†

Big results, minimal lift

We’re confident in your success. If Summer doesn’t deliver savings, you get your money back.

Organizations nationwide trust our suite of solutions and expert team to unlock savings.

$1.8B
In total savings delivered
20%
Reduction in turnover
*in organizations that provide Summer as an employee benefit. Results may vary based on individual circumstances and implementation.
97%
User satisfaction
150+
Federal and state loan programs accessible through Summer’s platform

Built for everyone who wants to deliver real financial wellness

Whether you're leading a city, running a business, advising clients, or just looking for a way to take control of your student debt—Summer is here to help.

Government Leaders

Boost economic mobility for your community. We reduce household debt and pressure on public services.

Learn More

Employers

Bring in and keep great talent. Employers who provide Summer as a benefit have seen a 20% reduction in turnover.

Learn More

Individuals

Lower your monthly payments, get out of default, or qualify for forgiveness. We’ll guide borrowers through every step.

Learn More

Bring financial relief to your people

Join the platform helping people break free from student debt.