Broker Check

Student Loan Consulting

Why Work With a CSLP®

The Certified Student Loan Professional  (CSLP®) is the only designation designed specifically for financial professionals who have demonstrated that they have obtained the minimum level of subject matter competency in order to effectively provide student loan repayment advice within the context of general personal finances.

Learn more

Student Loan Consulting for Medical Professionals

Student Loan Consulting for Medical Professionals

Student loans have  a purpose in many professional journey's.  Finding the most efficient manner in which to address student loans can be both overwhelming and stressful leading to "analysis paralysis" where nothing ends up taking place.  Our team is specialized in providing custom tailored student loan strategies to help clients discern whether to refinance to private, work toward forgiveness options, or pay the loans back in full.  

Book Consultation

COVID-19 Pandemic Relief

Administrative Forbearance is Extended......

  • Borrowers can still make payments toward their loans during this period which may be beneficial depending on the overall strategy, for PSLF that isn't the case (see below). 
  • This suspension is in place from until the end of 2022 with payments expected to resume as of January 1st, 2023 per the recent announcement provided by the current administration.

For Public Service Loan Forgiveness......

  • Section C of the CARES Act mandates that the period of time that payments are suspended will be considered as qualifying for forgiveness.
  • Borrowers in Income-Driven-Repayment plans and borrowers that are working toward PSLF are better off not making payments during this suspension period.
  • Borrowers with Federal Family Education Loans (FFEL) or other non-eligible loans types for PSLF can now become eligible through the Temporary Expanded PSLF (TEPSLF) Limited Waiver program.  Applications are required to be submitted by October 31st, 2022 for eligibility. 

Federal Student Loan Pandemic Relief......

On August 24th, 2022 the current Administration announced that federal student loan borrowers who met the following requirements would receive $10,000 or $20,000 in student loan forgiveness if they met the following eligibility guidelines:

  • $10,000 forgiveness in federal loans for borrowers that make $125,000 or less (filing single) or $250,000 or less (filing married jointly);
  • For federal borrowers with Pell grants they will receive forgiveness of $20,000 based on income requirements of $125,000 or less (filing single) or $250,000 or less (filing married jointly);
  • Borrowers will be required to apply for forgiveness, however the application process has not been finalized.  Borrowers can expect to receive further information from the Education Department or their student loan servicer in the coming weeks.
Learn more


Guardian and PAS do not offer student loans to finance education nor do they offer legal to tax advice.