descifradeh-SEE-frah · Spanish for “decipher”
ESEN

Are you paying more than necessary on your student loans?

Descifra uses advanced technology and financial planning techniques to uncover savings opportunities and develop a personalized strategy that goes far beyond simply choosing a repayment plan.

$200

Introductory price · Regular $300

Request My Analysis (opens in a new tab)

Pay less each month. And thousands less over time.

A well-designed strategy can change both your monthly payments and the total cost of your student loans.

$127 less per month

Reduction in the initial monthly payment.

Initial monthly payment

IBR 15%
$340
RAP — Recommended
$213

$34,423 less in total projected cost

Projected difference between strategies.

Projected total cost

IBR 15%
$166,755
RAP — Recommended
$132,332

Sample report

Descifra

Strategy report · Juan del Pueblo

Strategy comparison

How the strategies compare

How the alternatives we evaluated for your loans compare.

Recommended

RAP

Initial monthly payment
$213
Maximum projected monthly payment
$433
Projected total payments
$92,595
Projected forgiveness
$165,569
Estimated tax
$39,736
Projected total cost
$132,332
When and how it ends
August 2052IDR forgiveness

IBR 15%

Initial monthly payment
$340
Maximum projected monthly payment
$370
Projected total payments
$89,212
Projected forgiveness
$323,097
Estimated tax
$77,543
Projected total cost
$166,755
When and how it ends
August 2047IDR forgiveness

Projected savings vs. IBR 15%

$34,423

Projected total cost · IBR 15%
$166,755
Projected total cost · RAP
$132,332

Total cost includes projected payments and, when applicable, estimated taxes on forgiveness.

Example of a Descifra analysis. Results depend on each borrower's individual circumstances.

Your student loans are only part of the equation.

At Descifra, we go far beyond comparing repayment plans. We use specialized technology and advanced financial planning techniques to analyze how your tax, career, and personal financial decisions can affect your student loans.

  • Tax Planning

    How your income and tax decisions can affect your monthly payments and total student loan costs.

  • Retirement Contributions

    How certain retirement plan contributions can reduce the income used to calculate your monthly student loan payments.

  • Career Decisions

    How changing jobs or pursuing a different career path can significantly alter your financial strategy.

  • Family Circumstances

    How your marital status, household income, and other personal circumstances can change the options available to you.

A financial decision that seems unrelated could completely change your student loan strategy.

An advanced strategy. Built around you.

Descifra identifies opportunities, evaluates alternatives, and develops a personalized financial strategy. It's not just about choosing a repayment plan. It's about understanding which decisions can produce the best outcome for your circumstances.

  • Comprehensive Analysis

    An evaluation of your student loans and the financial variables that can affect your strategy.

  • Strategy Comparisons

    A comparison of monthly payments, total costs, potential loan forgiveness, and other financial outcomes.

  • Recommendation and Action Plan

    A well-supported strategy with clear instructions for putting it into action.

  • Personalized Report

    A written report bringing together your analysis results and explaining the recommended decisions.

6 Months of Email Support

Support to answer questions about your strategy and its implementation.

$200

Introductory price · Regular $300

Request My Analysis (opens in a new tab)

Your strategy starts here.

  1. 1. Complete the Form

    Share your information and your student loan NSLDS file.

  2. 2. We Confirm Your Request

    We review your information and send you payment instructions.

  3. 3. Receive Your Strategy

    Receive your personalized report and next steps by email in approximately one week.

Request My Analysis (opens in a new tab)

No meetings. Everything in writing.

Have questions before getting started?

Email us at info@descifra.co. We're happy to answer questions about the service, the process, and what's included in your analysis.

Ask a Question

Frequently asked questions

What is the NSLDS file?

It's the federal student loan data file available through StudentAid.gov. It allows us to analyze your loan history and the characteristics of your loans.

Do I need to meet with an advisor?

No. The service is provided remotely. You complete the form, provide your information, and receive your written analysis.

What if I have questions after receiving my report?

Your analysis includes six months of email support to answer questions related to your recommended strategy and its implementation.

What if my circumstances change after the analysis?

Changes in income, employment, family circumstances, or applicable rules may affect your projections. You can contact us to ask about updating your analysis.

descifra
descifra.co
For EmployersAbout Descifrainfo@descifra.co
ESEN

Descifra is a private, independent service. It is not affiliated with the U.S. Department of Education or student loan servicers.

© 2026 Descifra. Descifra is a service offered by Hermes Conesa LLC. Payments and services are processed through Hermes Conesa LLC. Descifra provides student loan analysis and educational guidance; figures in the analysis are projections, not guarantees, and Descifra does not guarantee forgiveness, savings, or specific results.