Your Student Loan Repayment Options
Compare available repayment plans based on monthly payments, total interest, repayment timelines, and loan eligibility.
Single Borrower Session
Personalized Student Loan Repayment Planning
Are you paying more on your student loans than you need to?
Your repayment plan affects more than your monthly bill. It can also determine how much interest you pay, how long you stay in debt, and whether you qualify for student loan forgiveness.
Student Loan Savvy's Single Borrower Session provides a personalized repayment strategy with Kathleen Boyd, CFP®, CSLP®, based on your loan balance, income, and financial goals.
$395 | 60-Minute Consultation
Book Your Single Borrower SessionWho Is the Single Borrower Session For?
This consultation is designed for:
- Individual borrowers managing federal student loans on one income.
- Recent graduates choosing their first repayment plan.
- Borrowers with changing income who need more manageable monthly payments.
- Public service employees evaluating PSLF eligibility.
- Borrowers considering refinancing or alternative repayment strategies.
For other household situations, visit our student loan consulting services.
What Does Your Single Borrower Session Cover?
Kathleen reviews your student loans, current payments, and financial circumstances to identify repayment options that could lower your monthly costs, reduce long-term interest, or support your forgiveness goals.
Income-Driven Repayment (IDR)
Evaluate whether an eligible income-driven repayment plan could reduce your payments and how the available options affect your long-term repayment costs.
For more context on federal repayment changes, read our guide to student loan repayment and forgiveness.
Student Loan Forgiveness and PSLF
Review your eligibility for Public Service Loan Forgiveness and other applicable forgiveness programs, including qualifying employment, loan requirements, and payment history.
Refinancing and Long-Term Costs
Assess whether refinancing or paying down your loans faster makes financial sense, including the potential loss of federal borrower protections.
What's Included in Your Single Borrower Session?
Your $395 consultation includes:
- A 60-minute comprehensive loan review with Kathleen Boyd, CFP®, CSLP®.
- Assessment of available repayment plans and eligibility.
- PSLF and other forgiveness eligibility review.
- Potential forgiveness tax-liability projection.
- Refinancing viability assessment.
- A personalized student loan action plan.
- 30 days of follow-up email support.
Book Your Single Borrower Session
Get a repayment strategy based on your actual loan situation, with clear next steps for managing payments, reducing costs, or pursuing eligible forgiveness opportunities.
Book Your Single Borrower Session - $395Frequently Asked Questions
The best plan depends on whether your priority is lowering monthly payments, reducing total interest, or qualifying for forgiveness. A borrower with stable income and no forgiveness eligibility may benefit from paying down principal faster. Someone working toward PSLF may benefit more from an eligible repayment plan that preserves qualifying payments. Kathleen compares projected payments, total repayment costs, and potential forgiveness based on your circumstances.
First, check whether your loans are federal or private. Eligible federal borrowers may qualify for a different repayment plan, including income-driven options that calculate payments using income-related information. Private loan borrowers may need to request hardship assistance from their lender. Kathleen can assess which options are available to you and whether lowering your payment could increase your total repayment cost.
That depends on your eligibility and how much you would pay under each approach. If you're pursuing PSLF and expect to meet the qualifying requirements, extra payments could reduce the balance that might otherwise be forgiven. If forgiveness is unlikely, paying additional principal may save interest. Comparing your projected payoff costs with potential forgiveness can help determine which strategy fits your situation.
You can review available federal repayment plans through StudentAid.gov or your loan servicer. Before submitting a change request, compare eligibility requirements, estimated payments, and the effect on your repayment timeline. If your income has decreased, you may qualify for a recalculation under an applicable income-driven plan. Kathleen can help evaluate these options before you make a change.
Start by checking your employer, loan eligibility, and qualifying payment history. PSLF generally requires 120 qualifying monthly payments while meeting the program's employment requirements. The potential benefit depends on how much eligible debt would remain when you qualify. Kathleen can evaluate your projected forgiveness amount against other repayment strategies to determine whether pursuing PSLF makes financial sense.