Federal student loans don't have to feel like a maze. We'll help you understand your options, choose the right repayment plan, and unlock forgiveness programs you may already qualify for.
Federal student loans involve dozens of forms, ever-changing rules, and an alphabet soup of acronyms — IDR, PSLF, SAVE, PAYE, IBR. It's no wonder so many borrowers either pay too much or miss out on programs they qualify for.
At Frelot Tax Notary, we cut through the noise. We help you understand exactly where you stand, walk you through your options in plain English, and help you complete the right applications correctly the first time. We focus on federal student loans and the programs that come with them — there are no shortcuts and no get-out-of-debt-free schemes, just clear, honest guidance built around your actual financial picture.
We specialize in federal student loans and the programs designed for them — no upselling private refinances or shady debt schemes.
Every recommendation is built on your actual loan balances, income, family size, and goals — not generic advice.
Public service workers, teachers, nonprofit employees: we'll help you certify employment, count payments, and submit forgiveness applications correctly.
IDR plans require annual recertification. We can help track deadlines and complete the paperwork so your payment stays right.
Married filing jointly vs. separately can dramatically change IDR payments. We coordinate with your tax prep to find the smart move.
In default? We'll explain your rehabilitation, consolidation, and Fresh Start options and help you pick the right path.
We start by gathering a full picture of your federal loans through StudentAid.gov — every loan, balance, servicer, and payment history.
Using your income, family size, and goals, we model out repayment plans side-by-side — including total cost, monthly payment, and forgiveness timeline.
We walk you through the options in plain English, recommend a path, and answer all your questions before you commit.
We help you complete consolidation, IDR, or forgiveness applications correctly. We also set up a check-in cadence so recertifications and PSLF counts stay current.
No. We are a tax and notary professional service that helps clients navigate federal student loan programs. Everything we help you do is something you can technically do yourself for free at StudentAid.gov — we charge for the time, expertise, and accuracy of doing it right.
Our specialty is federal student loans, where the bulk of programs and protections live. For private loans, we can offer general guidance and refer you to a financial planner if more in-depth strategy is needed.
It depends on your loan types, employer, payment count, and plan. The most common federal programs are Public Service Loan Forgiveness (PSLF), Teacher Loan Forgiveness, and IDR-based forgiveness after 20–25 years of qualifying payments. We'll evaluate which (if any) you qualify for during your consultation.
It depends. Consolidation can simplify multiple loans into one, qualify older loans for newer programs, and reset your IDR or PSLF count — but it can also lock in a slightly higher interest rate or undo PSLF progress if done wrong. We run the math before we recommend it.
We bill flat fees per service or for a comprehensive consultation package, depending on what you need. Get in touch and we'll give you a clear quote up front — no surprise charges.
Initial consultation is typically scheduled within a week. Application turnarounds depend on the federal servicer — IDR applications are usually processed in a few weeks, PSLF certifications in 1–3 months, and consolidations in 30–60 days.
Take the first step today — fill out our intake form and we'll be in touch within 24–48 hours.