For Individuals
Making student loan savings clear as day
What is Summer?
Managing student debt will never be fun. But it could be easy.
Summer is the student loan support benefit your employer, city, or organization is offering you. We're not a lender, not a credit company, and not selling you anything. Our only job is to help you save money on student loans, and we're pretty good at it.
Your employer, city, or organization covers the cost. No fee to you, no upsell, no catch.
Our team came from the White House, the Department of Education, and the Consumer Financial Protection Bureau. We know this system inside out.
Summer isn't a lender or servicer. We don't collect your payments or talk to credit bureaus. We're a Public Benefit Corporation, legally on your side.
How to get started
Sign in, start saving. Here’s how.
If your employer or city offers Summer, you already have a free account waiting. Here's how to find it, sign in, and get going in just a few minutes.
Each partner has a custom URL or single sign-on flow that connects you to your account. Click through from your benefits portal or invite email.
Already have an account? Sign in here.
We’ll ask you a few questions about your loans, your goals, and your situation. From there, you'll see your personalized plan, including what programs you qualify for, what you can save, and how to connect a real student loan expert if you want one.
Once you're set up, you can enroll in the federal and state repayment plans that save you the most every month, apply for federal and state forgiveness programs, get any personalized college-savings recommendations, and track any employer contributions or tuition reimbursements landing on your account.
Learn more about our solutions →
Real members, real numbers
People who were where you are now
These are real Summer members who came out the other side with their finances unstuck. A few of them, in their own words:
Your questions, answered
A few of the questions we get most often. If yours isn't here, ask us directly once you sign in — our loan experts can take it on.
Yes, fully. Your employer, city, or organization pays for Summer as a benefit to you. There's no fee, no upsell, no hidden cost. You'll never be asked to pay anything to use the platform, talk to an expert, or get help with your loans.
No. Summer is not a lender or a credit reporting agency. We don't report anything to credit bureaus, and using Summer has zero impact on your credit score.
Nothing personal. Your employer can see aggregate usage data — how many employees use Summer, total savings delivered, etc. — but they cannot see your individual loans, balances, or payment history. Your financial details stay between you and Summer.
The fastest way: check your employer's benefits portal or ask your HR team if "Summer" or "student loan support" is included in your benefits. If it's not there yet — make the ask. We've made it as easy as we can.
Don’t have Summer yet?
Summer is currently only available through partnerships, like your employer, city, or union. The good news: getting them to consider it is easier than you think. Pick who you'd be talking to, customize the message, and send it.
Who are you asking?
Hi [Name],
Wanted to share something I think is worth looking into. Student loans are a real burden for a lot of people, and I imagine that's true here too. From everything I've seen, it affects how people make major life decisions, things like buying a home, planning a family, saving for retirement, even taking time off. It probably affects retention and engagement more than we realize.
There's a category of benefits companies are starting to offer that helps with this. One company that does it well is Summer (meetsummer.com/employers). Unlike lenders or refinancing companies, Summer is entirely on the employee's side, helping people find federal forgiveness programs they qualify for, lower their monthly payments, and more. Employees save an average of $300/month, and Summer backs it with a money-back guarantee. Worth a look.
Thanks for considering,
[Your name]
Dear Mayor [Name],
I'm writing to you as a resident of [Our City] who has been struggling with student loan debt for years. I currently owe [XX,XXX] and pay [XX,XXX] a month. Because of these payments, I've had to put off [buying a home / starting a family / saving for retirement / other]. I'm not the only one. So many people I know are stuck in the same place, including teachers, healthcare workers, and others who keep this city running.
I'm writing to ask the city to look into offering a student loan support program for residents. As an example, a company called Summer (meetsummer.com/government) works with cities including New York to help residents access federal forgiveness, lower their monthly payments, and reduce what they owe. Summer was built by former White House and Department of Education officials who designed the federal programs they now help people navigate, and they've assisted over 1 million people nationwide. It's offered as a free benefit to residents, and partner cities have delivered hundreds of millions of dollars in savings.
I'd love to see [Our City] do something similar for the people who live here.
Thank you for considering,
[Your name][Your neighborhood / district]