Student Loan Debt Counseling

Personalized help for student loans, forgiveness, and future planning

Student loan rules are changing. For many borrowers, those changes affect monthly payments, forgiveness eligibility, and long-term repayment strategy.

Through the university’s partnership with Tuition.io, eligible UC Davis and UC Davis Health employees and their families have access to tools and unlimited one-on-one support from student loan coaches who can help make sense of it all.

Jump to:

• Get Started and Talk to a Student Loan Expert
• July 1 Student Loan Changes
• Register for Expert-led Webinars
• University of California Public Service Loan Forgiveness Process
• Frequently Asked Questions (FAQ)

Get Started and Talk to a Student Loan Expert

Tuition.io is a no-cost Student Loan Debt Counseling benefit that helps UC Davis and UC Davis Health employees and their families navigate student loan repayment, forgiveness options and future education costs.

All eligible UC Davis and UC Davis Health employees have access to:

• Unlimited, no-cost 1:1 consultations with student loan experts
• Personalized guidance based on your actual loan situation
• Help understanding repayment plans, forgiveness options, consolidation, deadlines, and more
• College-planning support, including guidance on financial aid, FAFSA, award letters and education cost decisions
• Up-to-date information about on federal legislation changes that may affect your student loans

Appointments can be scheduled online, and follow-up support is available by email or phone.

UC Davis and UC Davis Health employees who are eligible to participate in the program include: 

• Employees in faculty, academic and staff job titles with career or contract appointments, including Postdocs and Residents  
• Employees on paid leave of absence

Access Your Tuition.io Student Loan Support Portal
Use your Campus Kerberos log in, even if you are a Health employee. Then, enter your email address to register. Make sure it is an email address you check the most.  

Prepare for July 1 Federal Student Loan Changes

Major federal student loan changes take effect July 1, 2026. These updates may impact:

• Repayment plan options
• Eligibility for PSLF
• Borrowing for future education

What to know

• PSLF still exists & borrowers are actively receiving forgiveness 
• Any new Parent PLUS loans issued after July 1, 2026 are ineligible for income-driven repayment (IDR) and PSLF. If your existing Parent PLUS loans are consolidated before July 1, 2026, you will still have access to IDR options and PSLF. 
• Graduate PLUS Loans end for new borrowers on July 1, 2026, and while current students can continue borrowing for a limited time if they stay in the same program, all future graduate and professional students will face new capped borrowing limits. 
• SAVE Plan: The SAVE plan is ending, and you will have 90 days to change repayment plans after July 1, 2026. Now is the time to consider your alternatives. If you’re working towards PSLF, switch to the better of PAYE, ICR, IBR, or the new Repayment Assistance Plan (RAP), available July 1st. 
• PAYE or ICR plans - You can stay on these plans and earn PSLF credit until July 1, 2028. 
• Anyone who borrows new federal loans or consolidates their loans after July 1, 2026 will only have access to RAP to make progress toward PSLF.

Register for Employee Webinars

UC Davis Webinars

Tuition.io Webinars

Register for live, or view on-demand, expert‑led webinars on student loan repayment, college funding, and more.

All Tuition.io Webinars

University of California Public Service Loan Forgiveness Process

The Public Service Loan Forgiveness (PSLF) program is a federal program created for those in public service jobs, offering the opportunity to have their federal loan balances forgiven after 120 qualifying monthly payments. The University of California (EIN: 94-3067788) is a qualified employer for the PSLF program. Generally, many full-time UC employees who otherwise qualify may be eligible to apply their months of employment towards PSLF.

Please visit UCnet for full details and helpful resources, including:

• What do you need to submit?
• Information for people employed at UC before and after UCPath conversion
• How to obtain the employer information and signatures you need: Current employees
• How to obtain the employer information and signatures you need: Former employees
• Tips from UCPath to avoid delays
• Other submission options

Read more at UCnet

Frequently Asked Questions (FAQ)

• What is Tuition.io?
• A web-based platform that helps employees manage student loan repayment and plan for education costs through tools and expert guidance.
• Who is eligible to access this benefit?

• UC Davis and UC Davis Health employees eligible to participate in the Program:  

  Employees in faculty, academic and staff job titles with career or contract appointments including Postdocs and Residents  

  Employees on paid leave of absence  

  UC Davis and UC Davis Health employees NOT eligible to participate in the Program:  

  Employees in Per Diem, Student or Limited appointments  

  Employees on unpaid leave of absence  

   

  At this time, UCANR employees are not eligible for this benefit. 

• Is there a cost?
• No. This benefit is provided at no cost to eligible employees.
• Can my family use this?
• Yes. Family members of eligible employees can access many of the same tools and resources.
• How do I talk to an expert about my student loan debt?
• Our student loan coaches help eligible employees and their family members with questions about delinquency, default, loan forgiveness, refinancing, repayment plans, affordability, and more. After registering your account, you can schedule a call with a coach by accessing the "Student Loan Coaches" tile on the platform.
• Why am I having trouble logging in?

• If you're still experiencing difficulty, reach out to the support team: 

  Through the platform's Support chat

  By email at [email protected]

  By phone at 855-353-9395 (Hours: 8am-8pm ET; 5am-5pm PT)