More information about our *NEW* student loan planning service!

Student loan borrowers deserve support, clarity, and information they can trust. 

This is why we began offering this in the first place. We've heard it time and time again from our clients: it was difficult for them to reach their loan servicer (HELLO hours-long wait times!) and, when they did, they couldn't trust what they were told. At best, it wasn't helpful. At worst, it was inaccurate and downright harmful. No loan borrower should have to navigate this alone.

Let us be your guide: our process

We provide guidance through our streamlined process, keeping it straightforward and efficient:

1. You book a 60-minute Zoom meeting with Emma via Calendly
2. We follow up via email with some onboarding tasks, including filling out our student loan planning questionnaire
3.  We begin working on the analysis, keeping in touch with you throughout as questions arise
4. During the Zoom meeting, we'll take our time to go through it together to make sure it's what you hoped for and expected. We'll record this meeting for you, too, so you have continued access to what we discuss.
5. After the Zoom meeting, we send an email with a copy of the analysis, a meeting recording, and a link to our satisfaction survey to ensure we hit the mark.

The Student Loan Planning Questionnaire

Our analysis will reflect YOU! We'll take the time to gather important information from you through our questionnaire by asking questions about:

• Your income, family size, and tax filing status
• Your student loan debt 
• Any extenuating circumstances that may impact the analysis, such as anticipated changes in family size, employers, state of residence, etc., in the upcoming year
• Which forgiveness opportunities you're interested in (if any)
• Your goals and what you'd like to see reflected in the analysis
• Whether there is anything else you'd like us to know that wasn't already captured

The Analysis

Once you submit the questionnaire, we'll get to work on your personalized student loan analysis. The analysis is usually a multi-page Excel document where we run our analyses and projections. Your goals and priorities will inform what these look like and will drive our inputs, calculations, and recommendations. Examples of these include (but aren't limited to):

• The impact of filing taxes MFS vs. MFJ in a community property state on monthly payments
• Monthly payments under SAVE vs. PAYE (or any other plans)
• Total paid under SAVE vs. PAYE (or any other plans)
• Total amount forgiven under PSLF
• Examining the impact of employer sign-on bonuses and assistance on your income and overall student loan planning goals
• ...and more!

The last tab on the document contains our recommendations and action items, which are unique to you. Because we have the CFP designation, we frequently use a financial planning lens when crafting these, enabling us to be creative and help you accomplish your goals. You'll leave our meeting knowing exactly what to do, where and when you'll do it, and why it helps you.

Our clients frequently tell us how blown away they are by the analysis and that they appreciate the level of detail, care, and expertise that went into it. 

We're here when you need us!

Our analysis should be enough to get you where you want to go. But if things change or questions arise, we're here for you until your loans are paid off or forgiven. We're only an email or a follow-up meeting away, and you can reach out any time. The best part? We'll be quick and efficient and tell you exactly what you need to know. No more waiting hours on hold to speak to a loan servicer only to not trust what you're told.