Student Loan Repayment Planning

With the increasing cost of secondary education, many students find themselves with massive amounts of debt after departing school.  Federal borrowers are afforded several different repayment options, but the programs are complex and confusing. 

Three Oaks Capital helps new professionals manage their medical school, law school, graduate, and undergraduate debt by offering customized student loan repayment plans.  Our repayment plans offer guidance from a professional and a customized strategy that minimizes the cost of your debt.  This is accomplished by utilizing the various options you may have available to you:

Consolidation

Refinancing

Income based repayment options: IBR, ICR, PAYE, REPAYE

Public Service Loan Forgiveness (PSLF)

 

 
 

The Process

Student loan repayment plans are developed and presented over a series of three 60 minute meetings.  Prior to the initial loan review meeting, clients are asked to:

1) Complete several personal information forms
2) Retrieve a current copy of their credit report
3) Retrieve the current status of their federal loans from NSLDS, if applicable
 
 

 
 

Loan Review

We meet to review your personal information, the current status of your loans, and assess your long term financial objectives.  Together we review all your loans in detail, and discuss any concerns you may have. 

 

 
 

 
 

Rough Draft

We present you with our findings.  This includes our recommendations and several repayment options for you to choose from that fit your personal financial picture.  Together, we identify the options you prefer and omit those you don't.

 

 
 

 
 

Master Plan

Using the information from the previous meeting, we build a master loan repayment plan.  The plan includes step by step instructions for implementation and other suggestions meant to help expedite repayment and minimize costs.

 

 

 

What You Get

 

 

An organized, prioritized roster of your student loan obligations

 
 

 
 

A customized repayment plan that considers your current financial situation and long term financial objectives

 
 

 
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Recommendations for minimizing the cost of your debt

 
 

 
 

A step by step implementation guide

 
 

 
 

One on one counseling from a CFP® professional

 
 

 
 

How Much It Costs

 

One Borrower: $500
Two Borrowers: $800
Additional Borrowers: $250 each
 

 

Minimum Asset Levels

There are no minimum asset requirements for student loan repayment plans.

 

 

Next Steps

If you'd like to learn more, click the link below to reserve some time to chat.  This free, no-obligation, 20 minute conversation will allow us to answer your questions and determine whether a student loan repayment plan is a good fit for your needs.