Zero Student Loan lets you tap into the power of community support to ease your financial burden. Whether it's friends, family, or compassionate strangers, you can receive contributions to help pay down your student debt faster—so you can focus on building your future, not worrying about your past.
We're not quite ready yet, but you can join our waitlist to be in the know!
Student Debt in the USA
Outstanding student loans as of Q4 2024
Share of student debt made up by federal loans
Average student loan debt per borrower
Every pledge you make isn’t just a payment—it’s a powerful message: You believe in someone.
You’re helping a student reclaim their future, unburdened by the crushing weight of debt. That freedom fuels careers, families, communities—and ultimately, a stronger, smarter, more compassionate America.
In a world where education too often leads to lifelong financial strain, your support is a bold act of hope. One pledge at a time, we’re rewriting what it means to invest in our future.
Fuel Dreams. Break Cycles. Shape Tomorrow.
This shift didn’t happen overnight. In the 1980s, under President Ronald Reagan’s administration, a new philosophy took hold: education was no longer a public good to be broadly supported, but a private investment to be individually financed. Federal and state funding for higher education was slashed, and grants were replaced with loans.
This era of Republican-led austerity reshaped college affordability for generations. By the 2000s, most students had no choice but to borrow—and borrow heavily—to access the opportunities once supported by public investment. Today’s $1.7 trillion student debt crisis is not an accident; it’s the direct result of these policy choices.
From Public Investment to Personal Debt: The Untold Story of U.S. Higher Ed
Get a link from your graduate to their profile page.
Select a contribution level that fits your budget — even $5 helps.
Each month, your pledge (minus small fees) is sent to the student’s loan servicer.
Track your student’s progress and receive updates on the difference you're making.
Help a student chip away at interest and stay motivated. Great for consistent impact.
Coming soon!Accelerate debt payoff and provide meaningful monthly relief. Popular support tier.
Coming soon!Be a game-changer. Greatly reduce a student's loan balance and shorten repayment time.
Coming soon!Jane Smith
Neuroscience
City College
$8,200 / $9,000
Jane Smith
Neuroscience
City College
$8,200 / $9,000
Jane Smith
Neuroscience
City College
$8,200 / $9,000
Jane Smith
Neuroscience
City College
$8,200 / $9,000
Illustrative purposes only.
Outstanding student loan debt in default
Default rate for borrowers who did not complete a degree
Share of Americans who struggled to make student loan payments