Struggling With Student Debt?

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!

$1,770,567,689,000

Student Debt in the USA

1.77T

Outstanding student loans as of Q4 2024

86%

Share of student debt made up by federal loans

$38,374.71

Average student loan debt per borrower

Your Monthly Support Does More Than Pay Off Debt—It Changes Lives

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.

Supporter helping student
Historical student protest or classroom
How We Got Here:

The Rise of Student Debt in America

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

How It Works

1. Find Your Alumni

Get a link from your graduate to their profile page.

2. Set Your Monthly Pledge

Select a contribution level that fits your budget — even $5 helps.

3. We Send the Funds

Each month, your pledge (minus small fees) is sent to the student’s loan servicer.

4. See Your Impact

Track your student’s progress and receive updates on the difference you're making.

Choose Your Monthly Impact

$25 / Month

Help a student chip away at interest and stay motivated. Great for consistent impact.

Coming soon!
$50 / Month

Accelerate debt payoff and provide meaningful monthly relief. Popular support tier.

Coming soon!
$100 / Month

Be a game-changer. Greatly reduce a student's loan balance and shorten repayment time.

Coming soon!

Empowering Dreams for the Future of America

Student photo

Jane Smith

Neuroscience
City College

$8,200 / $9,000

Student photo

Jane Smith

Neuroscience
City College

$8,200 / $9,000

Student photo

Jane Smith

Neuroscience
City College

$8,200 / $9,000

Student photo

Jane Smith

Neuroscience
City College

$8,200 / $9,000

Illustrative purposes only.

Repayment and Default Rates

$89B

Outstanding student loan debt in default

45%

Default rate for borrowers who did not complete a degree

65%

Share of Americans who struggled to make student loan payments

We Partner With Major Loan Servicers

MOHELA
Aidvantage
Nelnet

Join our wait list to find out when we launch!