Student debt affects millions of Americans. We help graduates and parents understand federal repayment plans (Standard, Graduated, Extended, Income-Driven), Public Service Loan Forgiveness eligibility, and when private refinancing makes financial sense.
Federal vs. private loans
Federal loans offer income-driven repayment, deferment, forbearance, and forgiveness programs that private lenders do not. Refinancing federal loans into private loans permanently forfeits these protections—we only recommend refinancing when you have stable income, strong credit, and do not need federal benefits.
Private refinancing
Qualified borrowers may reduce APR from 6–8% to 3–5% by consolidating multiple private loans. Typical requirements: degree from accredited institution, credit score 650+, debt-to-income under 50%, and proof of employment.
Parent PLUS loans
Parents who borrowed through the PLUS program may refinance in their own name or explore strategies to transfer responsibility when the student has established credit and income.
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