Hire a Student Loan Planner and Get Your Custom Plan
If you owe $20,000 to $1 million in student loans, keep reading.
You go to school and have all this debt and have no idea what to do when you get out.
Itās terrifying because itās more than the average mortgage, and nobody seems to know how to tackle this.
Luckily, we're experts in slaying monster student loan balances. We've helped 10,000+ clients take on over $2.4 billion of student debt. Read our 2,100+ reviews and see why our clients rate us the best provider of student loan help in the country.Ā
Our CFPĀ®, CFA and CSLPĀ® student loan consultants would love to make a custom plan for you so you don't have to do it alone anymore. You'll probably save a huge amount of money and relieve an enormous amount of stress and anxiety too!
Your Student Loan PlannerĀ® Consultants
Lauryn Williams
Meagan McGuire
Dan Rooker
Travis Hornsby
Rob Bertman
Molly Laughter
James Mwombela
Sim Terwilliger
Conor Mahlmann
Ben Lacomis
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Rather than entrusting your financial future to someone who offers financial services but only dabbles in student loan counseling, work with us. We live and breathe student loans.
Why should you believe we can help you?
Weāve consulted on hundreds of millions in student debt, and weāve found millions in forecasted student loan savings for the professionals weāve worked with.
We charge a one-time fee for our thorough review, but weāve found that 90% of our clients save an average of over $53,000 projected over the life of the loan repayment period.
Weāre not a document preparation company.
We wonāt fill out your student loan paperwork for you. We want you to take ownership of every last dollar of your student loans. Our job is to arm you with the information you need to make an informed decision
The value to working with one of our student loan planners is strategy.
Youāre going to get a roadmap. Youāre going to get a way to pay back your loans. Youāre going to get all of your questions answered. Youāre going to find out what everyone else is doing. Weāve worked with more than 8,588 borrowers like you. Weāll also share tips that your peers are using to pay back their student loans.
Thereās a real difference between having student loan debt andĀ thriving financially while having student loans.
The financial aid office helped you sign up for debt, but now youāre on your own.
Soon after graduation, you get passed off to a loan servicer that has no idea what theyāre doing.
You call them, and the person gives you an answer. Then you call back, and another person gives you an entirely different answer.
Your time is too valuable to be wasting like this.
Maybe youāre single and just starting out, or maybe youāre married (or soon will be) and kids are in the picture. You have the same bills as everyone else, but there are two problems:
- Not only are you starting later in life because of your education, but
- Thereās massive amounts of debt getting in your way.
So what do you do?
Do you throw everything you have at your debt and
- Push off buying a house for 10 years
- Convince your spouse to move to a studio apartment in a sketchy part of town
- Decide not to even talk about having kids until youāre well into your 40s...
ā just so you can put all your money toward your student loan debt?
Or hire Student Loan PlannerĀ® to figure it out for you!
Watch the video below to see why I got into student loan consulting, and how our team might be able to help you eliminate your student loan anxiety with a custom plan made specifically for you.
Take the strategic approach!
Do you maximize all the loopholes and savings that exist with government programs?
If you take the first approach, you better make darn sure itās worth it (and get the best refinancing deal, so you sacrifice as little time as possible paying everything back)!
There are two ways to pay student loans:
1.Pay them off as fast as possible like your hair's on fire OR
2. Pay as little as possible and use every trick in the book to maximize the amount of forgiveness you can receive.
Choosing the wrong approach could cost you tens or even hundreds of thousands of dollars.
Thatās where we come in.
People come to you because you're an expert at what you do.
Your profession requires a lot of schooling so you could be the expert people turn to when they need the most help.
So, who do you turn to when you have questions about your student loans? Do you turn to a financial planner who doesnāt understand the ever-changing student loan marketplace, or do you turn to the experts?
We are the student loan experts if you owe $20,000 to $1 million.
Hereās the thing: That five- or six-figure debt? Itās not your fault!
The government passed legislation that said that graduate schools are allowed to charge as much as they want for their programs. Naturally, deans were happy to raise tuition accordingly.
What are we supposed to do, live in a world without dentists, physicians, veterinarians, lawyers, pharmacists, chiropractors, psychologists or other highly trained professionals one day?
Should you save for retirement or pay down that loan?
You werenāt saving for retirement while you were in school, so it seems like you should start saving ASAP, right? But itās really hard to know what to do with the money youāre making in your financial situation. How much are you supposed to put toward long-term savings? How much should you be throwing at your loans?
Nobody in the financial services world knows the answer to that unless they know how to handle the elephant in the room: the student loan debt.
Our job is to finally explain all of your repayment options.
If youāre struggling with five or six figures of student loans, we want to hear from you.
Donāt keep your head in the sand and avoid looking at your loan statements. Feel confident in the approach youāre taking instead.
Compare student loans to something else thatās complicated: taxes.
If your taxes are complex, you hire a CPA.
If you owe five or six figures in student loans, book a consultation with one of our Student Loan consultants.
All of us hold either the CFP, CFA or CSLP designation.
We'll look at your federal loans as well as your private student loans (if you have both).
Weāll show you how to maximize the right federal student loan forgiveness programs, like Public Service Loan ForgivenessĀ (PSLF), if you're eligible.
Weāll show you how to minimize your Adjusted Gross Income, in order to help you when you file your taxes!
Weāll look at your debt-to-income ratio along with your interest rate and see if consolidation and refinancing make sense for you (or rule it out).
Additionally, weāll make sure youāre saving for the tax penalty under the most advantageous income-driven repayment plan, if thatās the right path.
We offer customized student loan help for your situation.
Every analysis done by Student Loan PlannerĀ® is highly customized for you.
Here are a few examples of challenges brought to us by student loan borrowers that you wouldnāt find answers to anywhere else:
Veterinarian with $300,000 in debt just married to high-income business owner without loans.
She found out her income-based repayment would be tripling and had no idea whether she should file taxes separately or jointly with her spouse.
Physician with $500,000 in med school debt was weighing two competing job offers at an academic hospital and a private practice.
He needed to know the tradeoffs between earning a lower salary with loan forgiveness compared to a higher income and refinancing with a private lender. We armed him with information that led to a $10,000 salary increase AND over $10,000 in Year 1 interest savings.
Pediatric dentist with $650,000 in dental school debt needed to know how to deal with his mountain of debt without hurting his goals of practice ownership.
We showed him how to maximize his cash flow and receive tens of thousands in interest subsidies.
Dual lawyer household, one Big Law and the other, public interest law, was going to abandon loan forgiveness due to their $500,000 combined income.
We showed them key points that they had omitted in their analysis that led to a projected $75,000 in savings.
Second career chiropractor planned on working forever, due to her $250,000 loan balance and $60,000 income.
We got her a student loan repayment plan that dealt with her loans intelligently, while also showing her how retiring in her 50s was a realistic possibility.
Pharmacist was making a $2,000 monthly payment on his loans while working at a community hospital.
We showed him how to cut his monthly student loan payment to $600 instead and maximize the projected $200,000 in loan forgiveness he was eligible for under current rules. His response? āI guess I need to buy you a beer.ā
Weāre willing to wager that youāre leaving money on the table.
Why?
Because the vast majority of student loan borrowers weāve worked with have a lot of opportunity to adjust what theyāre doing (to the tune of tens or hundreds of thousands of dollars saved).
Watch out for salespeople masquerading as financial advisors or offering student loan counseling.
Weāve had a lot of clients whoāve been sold products that they really donāt need, and they come to us in worse shape financially than they were before they talked to someone else! Weāre able to reverse some of those mistakes, which allows them to have more breathing room in their monthly cash flow (not to mention the long-term savings theyāll see!).
Imagine being misled to buy a $500 a month life insurance policy when you have 8% student loan debt.
Think about how youād feel if you discovered that your financial advisor told you to invest with them, so they could get a $10,000+ commission, when you couldāve been debt-free instead.
Weāve seen this and much worse.
While weāre not financial advisors (weāre student loan consultants), we have sometimes saved our clients additional thousands of dollars by suggesting they fire their āfinancial professional.ā
Weāve found clients an average $49,000 in projected student loan savings!
The higher your student loan balance, the more help we can provide. The average client that works with us owes over $250,000 on their student loans.
Do you owe that much, or more?
We can guarantee that weāve seen worse, no matter how much it is. Weāre here to help reduce your burden ā not to pass judgement or give you unhelpful āpay back your debtā cliches.
Who is the Student Loan PlannerĀ®?
Iām Travis Hornsby, and Iām the chief student loan consultant around here. Before I became Student Loan PlannerĀ®, I was a bond trader for one of the worldās largest investment companies.
I had to compete with the sharpest minds on Wall Street, and I traded over $10 billion during my time there. That kind of work requires rigor ā the same rigor I use when analyzing student loan options for our clients.
I hold the Chartered Financial Analyst designation, and I care deeply about student loans. The student loan ecosystem is intentionally complicated to keep people like you paying way more than he/she needs to be paying. That complexity works in favor of our clients though, because with every wrinkle comes another opportunity to save money.
Why do I care so much about student debt?
I fell in love ā hard ā with a woman I met in Philadelphia while she was a physician in training. When we had the money talk, she revealed a shocking amount of debt from medical school.
I started doing my research, then built a calculator to see what our options were, and then it got downloaded thousands of times online when I shared it.
The calculator was just the beginning. Soon, her friends were coming to me asking for help. People who downloaded the calculator started sending frantic emails begging for assistance.
Thatās how Student Loan PlannerĀ® was born.
Weāve consulted on hundreds of millions since that day, more than any other group in the country.