Student Loan Repayment Assistance
Ongoing guidance for borrowers navigating repayment plans, income recertification, and Public Service Loan Forgiveness.
Ongoing Guidance for a Complicated Repayment System
Student-loan repayment decisions can affect your monthly cash flow, long-term interest costs, taxes, and eligibility for loan forgiveness.
The appropriate strategy may also change as your income, family circumstances, employment, tax filing status, or federal student-loan rules change.
Our Student Loan Repayment Assistance service provides continuing guidance for borrowers who want professional help evaluating their repayment options and maintaining their strategy over time.
What the Service Includes
Student Loan Repayment Assistance generally includes:
- ▸An annual student-loan planning meeting
- ▸Review of your current federal student loans
- ▸Evaluation of available repayment options
- ▸Review of income-driven repayment considerations
- ▸Assistance with annual income recertification
- ▸Review of payment calculations
- ▸Public Service Loan Forgiveness planning, when applicable
- ▸Guidance following changes in income, family size, employment, or marital tax filing status
- ▸Review of significant changes to federal student-loan programs
The service includes up to approximately 1.5 hours of advisory time each year.
Who This Service Is Designed For
This service may be appropriate for borrowers who:
- ▸Are enrolled in or considering an income-driven repayment plan
- ▸Are pursuing Public Service Loan Forgiveness
- ▸Need assistance with annual income recertification
- ▸Have experienced a change in income or family circumstances
- ▸Are considering marriage or a change in tax filing status
- ▸Are evaluating consolidation or refinancing
- ▸Want ongoing guidance as federal student-loan rules change
Annual Review and Ongoing Support
Student-loan planning is rarely a one-time decision.
Your repayment strategy may need to be reviewed when:
- ▸Your income changes
- ▸You marry or divorce
- ▸Your family size changes
- ▸You change employers
- ▸You begin or stop qualifying employment for Public Service Loan Forgiveness
- ▸Your tax filing status changes
- ▸Federal repayment rules or available plans change
Our ongoing service is intended to help you evaluate those changes before they create unintended consequences.
Fee
$25 per month
This service is designed as an ongoing advisory relationship rather than a one-time student-loan analysis.
Important Information
CSLA Financial is not affiliated with the U.S. Department of Education or any federal student-loan servicer.
We cannot guarantee eligibility for a particular repayment plan, loan forgiveness, approval of an application, or any other specific result. Borrowers remain responsible for reviewing and submitting required applications, certifications, and documentation.
Fee-Only Financial Planning
Download our overview document
For a complete description of services, fees and conflicts of interest please review CSLA Financial's ADV Part 2 brochure.