I’m going on my sixth month now of offering flat fee consultations at firstname.lastname@example.org to help folks make a personalized plan to conquer their student debt. After months of studying the federal student loan program, I built a free spreadsheet that over 1,500 people have used to avoid losing out on thousands of dollars in savings by refinancing with companies like SoFi or using the PSLF program. Clearly, helping people with student loan debt is a passion of mine. Let me share with you another free bit of advice. Student loan forbearance is one of the worst things you can do when making a repayment plan.