From confusion to clarity in four steps
Luna combines AI-powered loan analysis with human-guided compliance support — so you always know where you stand and what to do next.
Tell Luna about your loans
Get set up in minutes, not hours
Start by sharing your federal loan details — servicer, balance, loan types, and repayment history. Luna's secure intake process walks you through each field with plain-language explanations so nothing gets missed.
Luna: Luna reads your loan data and flags any servicer errors or missing information before your analysis begins.
Luna analyzes your full picture
Every program. Every option. Your best path.
Luna's AI engine cross-references your income, family size, employer, loan types, and payment history against every active federal relief program. Within seconds, you get a ranked list of programs you qualify for — with projected payments and forgiveness timelines.
Luna: Luna ranks your options by total lifetime savings — not just lowest monthly payment — so you make the decision that's best for your future.
Enroll in the right program
Luna handles the paperwork and submissions
Once you choose your program, Luna prepares and submits your enrollment applications, income recertification forms, and employer certification documents — directly to your servicer. No printing, no faxing, no guessing.
Luna: Luna monitors your servicer account after submission and alerts you the moment your enrollment is confirmed — or if any action is needed.
Stay on track, year after year
Never miss a deadline. Never lose your progress.
Qualifying for a program is only the beginning. Luna's compliance engine monitors your account 24/7, sends deadline reminders before every recertification window, and catches servicer errors before they cost you qualifying payments.
Luna: Luna has helped borrowers recover thousands of dollars in qualifying payments that servicers incorrectly excluded — ongoing compliance is where the real savings happen.
Why borrowers trust Luna
Luna isn't just a calculator — it's an active compliance partner that works on your behalf every day.
AI that knows federal loan law
Luna is trained on every active federal student loan regulation, program rule, and servicer policy — updated as laws change.
BBB A+ rated compliance
Our processes meet the highest standards for accuracy, transparency, and borrower protection.
24/7 account monitoring
Luna watches your servicer account around the clock and flags issues the moment they appear — not months later.
Free to start
Your initial loan analysis and program recommendations are completely free. No credit card required.
Common questions
Everything you need to know before getting started.
Ready to find your relief path?
Start with a free loan analysis — no credit card, no commitment. Luna shows you exactly which programs you qualify for in minutes.