Wend for student loans

What to do with
every student loan.

Federal or private. Pay first or never refinance. The 2026 rulebook just got rewritten, and Wend reads your stack to tell you which loan to attack, which to hold, and which to refinance, loan by loan. No account, no servicer login, no credit pull.

Free · no credit impact · takes 5 minutes
The weight of it

Student debt is the second-largest household debt in America, behind only mortgages.

$1.7T
Federal student debt. Bigger than U.S. credit cards.
source U.S. Dept. of Education / FSA portfolio, through Dec 2025
42.8M
Americans hold federal student debt. Roughly 1 in 6 adults.
source U.S. Dept. of Education / FSA portfolio, through Dec 2025
~9%
Of student debt is private. Higher rates, often variable, and none of the federal protections.
source Education Data Initiative, 2026
#3
Household debt category, behind mortgages and auto loans.
source NY Fed Household Debt & Credit, Q1 2026
All figures are June 2026 snapshots; the underlying reports are updated quarterly. Federal student debt now exceeds total U.S. credit card debt and runs neck and neck with auto loans. The choices you make about it compound for decades.
Why this feels confusing

Nobody hands you a map. So most people guess, and guessing is expensive.

01
It was never actually explained to you
You signed the paperwork at 18. No one walked you through repayment plans, forgiveness, or when refinancing quietly helps versus permanently hurts. That's not a knowledge gap you should feel bad about. It was never taught.
02
In 2026, the entire rulebook flipped
SAVE was eliminated, the new RAP plan arrives in July, and PSLF was narrowed. Even people who understood the old system are starting over right now, which is exactly why a clear, current explanation matters.
03
The cost of a wrong move is real
Refinancing a federal loan by mistake is permanent. Overpaying the wrong loan costs years. The fix isn't willpower or more income; it's simply understanding which move is which, in plain English.

Wend's whole job is to lift that fog: give you the map, then walk the first stretch with you until you understand your own loans well enough to decide for yourself.

What you'll see

A clear verdict on every loan. Plain English, no jargon.

Here's what Wend says about the highest-rate loan in a $111k mixed stack:
01
Pay first+ refi candidate
Private · $41,2009.25%
Sallie Mae · min $482/mo

Your credit tier (700–749) currently maps to roughly 4.49–5.99% on refinance offers, and your 9.25% rate sits above that band, so a refi is likely to save real money.

Your move
Check rates at 2–3 of the lenders we surface for your situation. They use soft credit pulls, so shopping is free and harmless.
You'll get a verdict like this for each loan in your stack, ranked by which one to attack first.
Ready when you are.
Not financial advice. Wend is an analysis tool; your actual rate offers are set by the lender.