9 million borrowers are losing the SAVE plan
Kicked off the SAVE plan?
Know your next move.
The rules keep changing. Your servicer can't give you a straight answer. One strategy session with a CFP® who specializes in student loans gives you a clear, personalized plan — before the next deadline hits.
5.0 · 10 five-star client reviews
Kathleen Boyd
Founder · CFP® · CSLP®
Meet your strategist
Hi, I'm Kathleen — I turn student loan chaos into a plan you can act on.
I'm a CERTIFIED FINANCIAL PLANNER® professional and Certified Student Loan Professional™ — and a first-generation college graduate who carried six figures of student debt myself. I know exactly how it feels when the rules change under your feet.
Most student loan consultants aren't CFP® professionals. That difference means your loan strategy gets built in the context of your whole financial life — taxes, household, career, retirement — not in a vacuum.
- 10+ years in financial services
- Investment News 40 Under 40
- FA Magazine's 10 Young Advisors to Watch
- B.S. Economics & M.S. Finance, University of Utah
Straight talk, no jargon
The rules changed. Here's what actually matters.
Meet Kathleen
Strategy sessions
Priced by complexity — not by upsell
Your fee reflects the depth your situation actually requires. Single borrower? Simple. Married with two loan portfolios? That's twice the analysis — and your plan covers all of it.
Haven't borrowed yet
Pre-Debt Plan Session
$395 / session
Before you sign a single loan document, know exactly what you're getting into — and exactly how to get out of it.
- One-hour borrowing strategy session
- Projected debt-to-income analysis
- School & program ROI evaluation
- A personal “safe-to-borrow” threshold
- Federal vs. private loan trade-offs
- Repayment scenarios before you commit
One borrower, one income
Single Borrower Session
$395 / session
A complete review of your loans and a personalized repayment or forgiveness strategy built around your income.
- One-hour comprehensive loan review
- Every repayment plan you qualify for
- PSLF & forgiveness eligibility check
- Forgiveness tax-liability projection
- Refinancing viability assessment
- 30 days of follow-up email support
Married, one spouse has loans
Married Borrower Session
$495 / session
Marriage changes everything about student loan strategy. File smart, pay less, and protect both incomes.
- One-hour review of your household picture
- MFJ vs. MFS side-by-side tax analysis
- Community-property state rules applied
- Payment comparison across all IDR plans
- Forgiveness timelines & deduction impact
- 30 days of follow-up email support
Both spouses have loans
Dual Debt Session
$595 / session
Two incomes, two loan profiles, one household budget. A coordinated plan that optimizes both sides.
- One-hour review of both loan profiles
- Coordinated dual-borrower strategy
- MFJ vs. MFS analysis for both borrowers
- PSLF optimization for qualifying spouse
- Income weighting across both profiles
- 30 days of follow-up email support
Which session is right for you?
Have you already taken out student loans?
Client outcomes
What a real strategy looks like
$145,000+
saved
Saved over $145,000 by coordinating Public Service Loan Forgiveness with community-property tax planning.
Recently married physician, California
$620 → $74
monthly payment
Found a sustainable plan that lowered monthly payments from $620 to $74 while staying on track for forgiveness.
Therapist pursuing IDR forgiveness
Cash flow protected
during transition
Evaluated IDR vs. refinancing during an income transition — protecting cash flow while building liquidity for a practice loan.
Early-career dentist
Both spouses optimized
dual-income couple
Optimized the “breadwinner / bread-loser” strategy so the higher earner didn't unintentionally drive up the other spouse's loan payments.
Dual-earning married couple
Borrowing guardrail set
before day one
Weighed program costs, projected salary, and repayment scenarios to set a realistic borrowing limit before taking on a dollar of debt.
Prospective grad student
Your outcome goes here.
The next success story
Every result above started the same way: one hour with Kathleen and a clear, personalized plan. Yours is one session away.
Book Your SessionClient reviews
“Cut through all the confusion”
5.0 average across 10 client reviews
“Kathleen was very helpful during our call. She walked us through our best options for repaying student loans and answered all of our questions. We definitely felt more at ease about our student loan situation after speaking with her!”
“Fantastic, can't recommend enough. Kathleen was great to work with and she really helped tailor the consult to me and all of my questions.”
“Used Kathleen, was amazing. Explained everything clearly. Made me way less stressed, and helped me plan all my next steps.”
“Absolutely amazing consult — worth every penny! Kathleen was knowledgeable, personable, and SO supportive!”
“Loved Kathleen. She was very informative and helpful. She put all the confusing student loan information into an easy to understand context and addressed the options of how to significantly, and I mean SIGNIFICANTLY, reduce monthly payments and long term debt with the double consolidation loophole. Amazing!”
“My hour spent with Kathleen was outstanding. She was engaging, informative and easy to understand. She answered all my questions and gave a great synopsis to follow up. I would 100% recommend her if you have student loans.”
“My student loan consult with Kathleen was very helpful. She was professional, friendly and well prepared for the meeting. She gave me several important pieces of advice that were personalized to my situation. Definitely worth the cost of the consult to feel sure I'm on the right track with my loan plan!”
“My consultation with Kathleen was fantastic. She was extremely knowledgeable and informed me of all of the nuances of the different repayment plans. I feel confident moving forward with paying off my substantial student loans in the most efficient way.”
“Met with Kathleen Boyd for a consult. Very informative and helpful in navigating this whole process. I feel confident in my plan moving forward. Thanks so much!”
“Wow!! After years of being in the dark and confused about whether or not I was on the right repayment plan... and trying to research how the new policy changes affected me to no avail — just a 1-hour consultation with Kathleen cut through all the confusion and gave me a clear plan. I learned about a couple of strategies that can save me a ton of money I never would have realized on my own. Thank you Kathleen!!”
The Savvy briefing
The rules keep changing. Be the first to know what it means.
Kathleen's plain-English breakdowns of every policy shift — delivered when they happen, with the deadlines that matter.
Stop guessing. Start planning.
Book your session today — sessions include a personalized action plan and 30 days of follow-up email support. Questions first? Call (619) 880-1584.
Schedule Your Consultation