Today’s podcasts are going to be talking about paying off student debt and give you a little bit insight if for a lot of you guys are, have that stupid debt or more importantly, I guess if you got kids that you want to send to college, one of these days now colleges and everything, but I think a lot of us are parents.
I’m a parent myself, want to give our kids a leg up in that category. Been a dad here for about a couple of weeks. You don’t quite see the bags under my eyes . We’re past the first three-day period where we uh, yeah. Punched in the face and you realize you’re not going to sleep for awhile.
But now two weeks in, I know what to expect and it’s kinda like losing the first game of the playoffs and a know how things are gonna work. That’s where we are at today, but things are good. Things are good here.
For those you guys have young kids or expectant, new mothers or fathers, check out the infoPage@simplepassivecashflow.com slash baby got a lot of parenting advice. Shouldn’t you focus? And got a little shopping list there. You probably don’t need all that stuff in that shopping less. We were fortunate enough to get a lot of hand-me-downs for a lot of things from other people barely bought any clothes since everybody dumped their old baby clothes on us.
The only things we had to buy were, I could probably count on one hand, Chris. All these baby carriers, know what this stuff is for quite honesty, we don’t have to buy a lot of this stuff and our strategy is the buy it use.
Most parents are freaked out and they don’t want to buy you stuff, but, I do it where it makes sense. And I like to go to a north shore. See what the cool baby things are, then check it out at Facebook marketplace or Craig’s as well. I stay away from Craigslist these days.
Cause they’re a bunch of weirdos on there. I like to be able to vet the people that I’m buying from. But yeah, we bought one of those snooze cribs from Facebook marketplace magically rocks your kid to sleep with an app. It also, you strap up and there’s a steep on their face.
And then I got one of those that pneumonia and not one of those fancy baby strollers that makes you look really cool on Facebook marketplace for like half price. Other than that, yeah. We got very fortunate that a lot of cook gave us a lot of this stuff as my kid squirms in my arms here.
But, think two weeks into it to this and fun or see. It gives you another why you’re filling up all this passive cashflow, and really start to build that legacy right after all. It’s not that hard to get financially independent, look that passive cashflow, most of our clients do it in a decade or less, the bigger ideas of what do you do after that.
And how you build that, see, and I think that’s where the next chapter is full passive tasks. It’s going to be a headache. It stays as we’ve been having a lot of conversations about this and our after hours of our family office, a Honda mastermind breakout groups where, this is where a lot of the conversations go a lot more of these soft topics that how to simply just pay off your student loans or where to get the best rates on the Heliox.
But yeah, just wanted to let you guys know I’m alive and well. Babies. Well, Mom as well, and check out those baby firstname.lastname@example.org slash baby. And enjoy the podcasts.
Hello, simple passive cashflow listeners. Today, we are going to talk about student loan, forgiveness programs, how do you pay off your student loans? The best way a lot of us unfortunately, or fortunately went to college for way too long and saddled with all this student loan debt. Now I am I was born in the 1980s and I was lucky enough to have a good job and I paid mines all off personally.
But some of the kids out there, man, I feel sorry for you guys. Cause it’s a Hutch several hundred thousand dollars, at least, especially a lot of dentists guys and doctor guys out there. So this podcast is going to be for you. We have a young Miller who is a student loan consultant and we’re going to be talking all about student loan.
Tips and tricks. How do you pay it off? What’s the best way, Yon once you give us some background on how you got started doing all this. Yeah, sure. I actually started working directly for several different loan servicers back in 1997. I worked for Nelnet and fed loan servicing, and also worked on the private side for discover financial and Citibank
and saw the student loan world from every point of view on, I worked in 11 different departments during that time. My career eventually went into the brokerage industry as an investment advisor at Morgan Stanley and financial planner and advisor there. But all the while helping people on the side with student loans, everybody, I knew Mike dentist might.
Brother-in-law whoever they all had student loan debt. And so I would help and eventually started helping people on a more professional level. While I was working at Morgan Stanley, not for Morgan Stanley, but on the side. And eventually the demand got so big that I retired from work and Stanley in 2010.
And made it my sole focus. I’ve been an advocate for borrowers for student loans since for the last 20, some 22, 23 years. And I’ve been at a professional capacity doing as my sole focus since 2010. And yeah, I’ve just been helping borrowers manage it, using my financial background, understanding and conjunction with the student loan expertise and knowledge of how the system works.
Both from an administrative level all the way up through the regulatory level, as well as just the practical level of how to apply that to your student loan repayment. That’s what I’ve been doing for the last decade. A little bit of backstory here. Why are we talking about this subject?
I was asking you guys in the community. If you guys want to join our Facebook group, let me know. And we’ll add you to that private group, what are the problems you guys are facing out there as high paid professionals, looking to invest your money?
And this definitely came up as one of them. I always asked you guys, who are you working with right out there. That’s the power of our community. And if you want to join the group, go to simple passive cashflow.com/club. Or if you want to join the inner circle, that’s what the incubator and the mastermind are for.
Your name came up beyond I got to admit a couple other guys names came up too, but I didn’t want to work with them because they wouldn’t return my phone call. I want to talk to the principal, right? Like I don’t, there’s a lot of people who do this, if you Google it, there’s a lot of people that spend a lot of paid advertising on this stuff and have very pretty websites.
Not saying that yours isn’t good, look, this is just my brand. So this is simple passive cashflow brand. I always go off of value, right? Like I’m not going to go to a CPA that charges me 10 30 grand that do my taxes. That’s ridiculous. Nor am I going to go to like H and R block or do it on triple taxes for goodness sake.
I’m looking for value and think Yon fits this this category here of somebody who. Offers a very good service and charges a fair price for it. Why don’t you let’s go over like a typical client? Cause I think. And the one we were talking about earlier and what is it exactly that you do with them?
Again, if you’re going to hire me in to justify my fees, I’m going to need to provide a pretty significant return on investment. Of course. So as result and because of my background, majority of my clients are professionals who have six figure debt. What’s your debt rises about one and 200,000 so forth. Every decision you make impact your total cost of that repayment by huge factors, tens and tens, if not hundreds of thousands of dollars between the two. When that happens to make sure that you get the best, repayment experience you often will reach out to a borrower, reach out to an expert
and again, one of the ways that I run my businesses, I’m looking out for the borrower. So I’m going to design a plan or repayment strategy. That’s best for them. Not best for. The actual loan, servicer or lender. When you see advertisements for sofa they’re gonna obviously want you to refinance that loan, but a majority of the time, that’s not the best option for the borrower, just because you can get a lower interest rate.
Doesn’t mean it’s the best solution for you. And we need to evaluate all of those solutions. And make sure they make sense with your financial objectives. My job is to look at all of the variables , what are those techniques, if we can, I know you mentioned there were like three of them.
You can go through them one by one. There are basically four major repayment solutions there’s private student loan refinance with a private lender. We’re basically forfeit all your federal program benefits and you refinance at hopefully a better interest rate. Otherwise it doesn’t make sense doing it, but of course you may have a higher payment because it’s a shorter term.
Typically lenders will offer you a lower interest rate, but they’ll on the condition that you can afford the payment. That will create a seven or 10 or 12 or 15 year term instead of the 20 year terms sometimes associated with student loans. And there’s also if you work for non-profit of course public service loan forgiveness is its own juggernaut is very nuanced and complicated and understanding how that program works and whether it’s worth pursuing and its reliability.
Those are all issues that come up. That would be the second one. The third thing would be to, if you don’t qualify for the nonprofit forgiveness, you public service loan, forgiveness, or government agency work then you can also in some circumstances that make sense to do the income driven plans, which are either 20 or 25 years long, all the way through to the end until you received the forgiveness there.
Or another solution would be the fourth option would be. Payment targeting or unorthodox method putting some of the loans at a zero payment and accelerating your payments on higher rate loans that type of thing, or making your student loan or payment work around your other debt or other financial obligations.
There can sometimes be a mixture of several different of those strategies at once, but refinance public service, loan, forgiveness, income driven plans, and. Payment targeting are the four major solutions. And then how to incorporate that into your own financial objectives. That’s of course the more complicated.
And then of course, for a lot of us that work time is more valuable than money. You guys do all the paperwork and just tell me where to send, help with execution. It’s not just, Hey, and this is what I found early on doing this for 23 years. Now I can tell you how to do it. And about half the people I talked to.
especially physicians, where they all they educate themselves on how it works. So they have an understanding they talked to all the other residents and they have an idea of how to enroll in the program and so forth. They don’t need help with that. And then you just need the finer details worked out, and then they can do it on their own, the other half of the time.
It’s just too much of a mess for them to deal with and they want to hire somebody to help them. Not only. No what to do, but the execution, how to do it and help doing it so I can prepare and submit all the paperwork for them. So that the only thing they need to do are make payments and I’ll take care of everything else.
And they’ll always be able to contact me and talk with me if they need to. It depends on where you are, what your needs are, a lot of people would prefer to have hand-holding through the whole process. Before we dig into this more, my full philosophy on, people come to me, should I pay off my student debt?
Yeah, you shouldn’t right. You should invest. That’s why, if we’re living the simple, passive cashflow thing, so we can make returns at 10, 20, possibly 30% in a turnkey rental. Go look at the rate of return. You can make it simple, passive cashflow.com/returns. Or I break down a simple, just turnkey rental, how you’re making money, four ways, mortgage paid down, tax benefits, appreciation of property, which, I guess you could say that’s getting lucky and then of course cashflow,
okay, we’re going to pay off the debt as slow as we can. So to optimize our liquidity going through our investments, but how do we do this smart with these other strategies? , cashflow is the hidden gem in the income driven and forgiveness programs, that a lot of people don’t significantly pay attention to. If you refinance your loan, let’s say you have $500,000 in debt at 7%. And if you refinance that loan, you’re looking at a five or $6,000 a month payment. Even if your interest rate is cut in half that’s gonna eat up a lot of your cash flow each month.
You may not even be able to afford that or want to afford it. Do you have family? What other obligations do you have? What’s your cost of living? You live in San Francisco or in rural Alabama, these. All factor in the decision making, but the cash flow is huge. You can use that for other financial objectives, especially like with my dentist who usually don’t work for nonprofits, massive debt all the way up to a million dollars in debt.
And they’ll tell me, Jan, if I can Lord this payment, I can use the extra cash flow to build my business mill practices and expand my business so that my return of investment might double every month, in that circumstance, which. For extreme certain situations.
It doesn’t make sense to accelerate a payment on an 8% loan or refinance it and save a little bit of interest when you can benefit so much from investing that extra cash flow. Those are all considerations for sure.
That’s why started this podcast.
There’s so much bad financial advice out there. Pay down your debts. It depends, right? If you’re bad at your handling your money, just spend it like a bozo then yeah. You should go pay off your debts. But if you’re a responsible person, I think most people that are listening to podcasts educating themselves.
So you fall on the other side of the coin on this and, check out my article about that. It’s simple, passive cashflow.com/debt. But yeah, I, to me, the best strategy is pay down the student loans or your mortgages as slow as possible because it’s a pretty low interest rate and invest the money otherwise basically interest rate arbitration, right?
Just what the banks do. They lend out at this rate and they go invest it in this much and they make money on the spread. It’s not, you’re responsible, your grandma, your grandpa, your mom, your dad probably thought otherwise, but amen. If you want to get what other people don’t, you got to do different things, right?
Yeah. And even the psychology of the borrower comes into play. Some people can’t psychologically watch their balance grow. When they’re paying less than the amount of interest screw in each month and they’ll send me Jan, I know what you’re saying. I’ll save hundreds of thousands.
I’m doing the income driven plans or what have you. I just can’t watch grow. Okay. That’s fine. As long as you’re making an informed decision, but that’s a part of it. And again, every situation is a snowflake. I always tell people, if you hear a one size fits all solution, it’s wrong.
Everybody’s needs a very, a detailed assessment especially when you have six figure plus debt to determine what’s the best solution for you. Do you qualify for the program? That doesn’t necessarily mean you should do it. That has to be looked into. And add onto that, like even like investing in rental properties or syndications, for some of these younger dentists, like I tell them you’re an entrepreneur, your liquidity and money.
Certainly shouldn’t be going into paying off your student loans and maybe it shouldn’t even be going to investments, but putting that money into marketing or into improving your operation as a dentist practice is probably your highest and best use. And it always comes back to it. What’s your highest and best use for your time and also your money or liquidity in this case.
Let’s dig into this, like this common one. Someone comes to me and they’re like, this is stomach who doesn’t listen to podcasts, not simple, passive cashflow. They’re not investing. They’re just investing in their normal retail investments, mutual funds. And they’re like, oh I like look at, I did.
I reconsolidate all my loans through a sofa company or whatnot. And it’s a lower interest rates. It’s a lower payment. How was that? Not a losing situation. What are the negatives of just of going down, just blindly going to these websites, you see them all the time and just lowering your interest rate and lowering your monthly payments.
What is the side that we’re not seeing here? One of the first things I look at is if refinance makes sense for you and if it does, it’s a simple solution. You don’t have to deal with all the federal records and programs and paperwork or hire somebody like me to help with that.
You just pay it later a traditional loan because I refinance so fire and Laurel road or common bond or whatever those companies They’ll call a student loan. The product is a student loan, but really it’s just a loan. You’ll a bank. It’s just a personal loan. That’s all it is. And at whatever terms they give you.
So you’re going to forfeit all of your federal regulations and protections. You’re going to, and the safety net that they provide you’re going to forfeit the flexibility that federal repayment has once you agree to those terms and unless you are able to refinance it and in a better terms later, You’re stuck with them as long as it is at that company.
I would say a majority of the time, the payment does not lower when you refinance. So even if you lower the interest rate that does not ensure that your payment’s going to be lower. In fact, the payment usually goes up because typically lenders will tell you we’ll give you a 3.0% fixed rate on a seven year term.
If you are on a 25 year term before that, or an income driven plan more typical to student loans, especially after federal consolidation then your payment’s going to go way up, despite the fact that you get a lower interest rate. Jan my understanding of student loans is, it’s a government loan and you’re switching over to more of a privacy of private loan where you don’t have those government protections. But I thought that. It’s, everybody talks about how the forgiveness of student loans is not permissible, right?
Like a mortgage is, but what are some of those protections, if it not for that, what protections somebody giving up by, making a deal with one of the private lenders, like in this case? With federal student loans, they cancel upon death. Immediately after loans. So if it’s a federal loan that’s a given a hundred percent of the time.
If you’re looking at a private loan that might not necessarily be the case. So the devil’s in the details, right? These guys might be signing on a lower interest rate and a lower payment. Which is the same tricks that the car lenders use, but they may be signing up their kids and grandchildren or whatever to pay this debt off eventually.
Yeah. There’s a little bit of a risk there. And then of course the, flexibility. What if there’s no guarantees? What if, for example, a crazy pandemic comes along. And causes you to lose your job and your income goes way down. If you have a private loan, you’re going to be very limited on what you can do to lower that payment with a federal loan it’s going to be easy you’re going to get built up first, just like those you guys would Fannie Mae Freddie Mac loans, and you think you’re all clever by getting these portfolio loans.
That is a huge safety net. I have, for example, I have a physician client who have for over a decade and she was in a car accident and she could no longer operate. So now she’s a teacher at a university and her income has went down. From, three or $400,000 a year to $80,000 a year.
That changes her financial outlook and her strategy for repayment on her large student loan debt completely because her loans are still in the federal system. She had several options and manageable ones. But the private loans are not necessarily, you may have to pay or default in the story and you may have to do harsh things like negotiate settlements after you’ve defaulted and no one wants to do that.
Those are protections, a lot of my clients, they have like several hundred thousand dollars in their infinite banking or they might have, nice parents with deep pockets, like they’re good. So they might as well do it and get the lower rate and. They’re good, right?
It’s in a way self-insuring themselves. . Yeah, exactly. If you’ve got the deep pockets and like I’ll tell my ER docs and I’m just using to say I have so many doctors as clients, ER, docs usually work for contracting groups or physicians or hospitalist groups, and they don’t directly work for the hospital as a result.
They don’t qualify for public service loan forgiveness. Typically they’ll have. Three years of residency, and then I’ll jump right in as an attending. And they’ll have usually their income is maybe 300, two 5,300 and their debt is 250 to 300. In which case refinance makes more sense for them because the income driven plans wouldn’t really lower the payment that much anyways.
And they might as well just accelerate the payment and paid off. They can afford it. So when your debt to income is strong, Then refinance is more often a solution, but if you’re upside down, which is Mary common, 80% of the people call me or don’t call us, they have problems, that’s right. Exactly.
I’m like the mechanic for expensive cars, and they come in with a problem and usually they owe more than they make. And because of that the refinances, not as It’s greatest solution for them in most cases. In my search for this doing a little studying on this topic, I don’t have any student loans personally.
But just doing some research. I found what this, I don’t know if this is a scam or whatnot, but like some guys are like, they found the company to create an LLC for them. That is set up as a nonprofit. So they can pay themselves via this nonprofit so they can qualify for the tenure student forgiveness thing.
Have you heard of this thing? What’s your thoughts? Yeah. And I’ve been asked over the years, Jan, I don’t work for a nonprofit. What if I own my own nonprofit or I create a nonprofit. And technically as long as it’s structured so that you are an employee of that nonprofit. Then you do that will technically qualify.
It’s interesting because not enough people have been eligible for forgiveness yet for to see how the auditing process works with those specific borrowers. But technically it is possible. It’s a risk though, right? I think so. I always tell people, if you’re gonna do it anyways.
Sure. You might as well shoot for the forgiveness, but if you’re going to open a nonprofit. Just so you can get the forgiveness, then that’s risky because you’re opening yourself up there’s some gray areas in the regulations there in regards to owning your own. Non-profit.
It could cause problems when you actually applied for the forgiveness when they audited. And I seen like the set, one of these things up, it’s not cheap. Definitely not something I personally recommend, if you’re going to if you’re going to do it anyways.
Sure. But if you’re doing it just for the student loan forgiveness, then it’s probably not as good. It’s just an example. There’s so much random stuff out there in terms of the financial world. And yet it makes sense. We’re always looking for the loopholes, to me, the intention is not there.
That’s why I’m like, yeah, that’s a black hat tactic. I agree. Are there any other techniques that you would think that people should know about that maybe they wouldn’t have known otherwise that you’ve been using for some of your clients? I think that one of the biggest things is understanding.
A very complicated subject whether or not to file separately or jointly to exclude the spouse’s income, whether you need to do that how your spouse, if you get married, it’s going to impact the program is a very complicated program because if your spouse has a significant income and doesn’t have any student loan debt than , their income is going to increase your payment dramatically.
It might even just qualify you for the program, but if your spouse has student loan debt and you can prorate the payment the other thing is if you need to exclude your spouse’s income, but your spouse has an escort or something like that, where they have huge expense write-offs that could be very costly to file separately.
Which is sometimes necessary to exclude this as income. And then add into the fact, what do you live in a common property state? , all these things make a massive difference in Filing your taxes and how much the forgiveness program is going to benefit you and whether or not you should pursue it.
If you are married or you planning on getting married in the middle of one of the income driven or forgiveness programs, definitely find out all the nuances of how that works and how it’s going to apply to you. And probably again, you want to talk to somebody like me to help you sort that out because it’s complicated, but that’s the first thing.
That I would say you want it to take into consideration, you’re opening up a can of worms. Cause then I would say probably like at least a lot of people in my mastermind group, the dentists, the doctors that were just one single income, we’re using that spouse to qualify for a real estate professional status.
We can use passive losses to offset active income. Yeah, worms there, it is a can of worms. I always tell people that. I should charge married couples five times as much as I can charge individuals because I don’t, but I should, because their situation’s always more complicated, especially when situations like that arise.
And you got one situation where one spouse is qualifies for public service, loan, forgiveness, and the other doesn’t. So how do you file then whichever creates the largest payment or the most forgiveness, or, you’re always want to look at total costs over time. It’s, everything’s gotta be evaluated, gotta crunch the numbers to really determine what the best solution is.
And that’s I’m growing up. I used to be super cheap and try and do everything myself and trying to learn everything myself. And now all I do is I build up a network and I ask other people who’ve done this before. Who the heck did they work with? And then that’s how I find guys like yourself.
Here’s a perfect example. As we were talking earlier, my wife’s a teacher and she’s been working like 10 years. So I was like, Googling the Publix or forgiveness thing. I don’t think she has that much loans. It’d be like 10 or 20 grand. Something, definitely could pay it off, but I want to do it smart, but it’s man, what a pain?
I got all these forms. I got to learn about it. It’s like government stuff. Can you figure out how, like far to stay apart from each other when you wear a mask when you don’t? I dunno. It’s just so good to using and I’m getting to a point where I’m like, all right, timer’s more valuable than money pay the man, get it done.
Don’t screw around. My days of just trying to do this all by myself are over. And I think if you’re listening out there and you’re making under a hundred grand a year, Your net worth is under a quarter million. Cool. That’s what these podcasts are for. Everything’s on my website for free.
Go ahead and learn it all by herself. But that’s why people sign up for the group coaching, or services like this, because time is more valuable than money. What is your highest and best use for a lot of my guys, it’s like it’s doing an extra surgery on the weekend, picking up extra shifts.
That’s screwing around with some Burr by rent, rehab, nonsense that thought of the kids talk about all the time. I’m glad I found you because I don’t want to do that paperwork. And if I can spend 500 bucks to just get it done that’s what I’m going to do. Yeah. No, I don’t. I don’t blame you.
, you mentioned before, there’s a lot of resources out there, but. There’s a lot of debt relief agencies, which were more like call centers. Yeah. And they’re really good at that called content marketing internet nonsense. Really just write bogus articles just to get the SEO, the search engine optimization, right?
. They’re not student loan experts. I have to tell you. They have a business model and a lot of them want a slang unit income-driven plans or, they’re not really looking out for what’s best for you individually. They’re looking to sell a model on how they can lower your payment or what have you.
And I always tell people, if you’re betting student loan experts to get help, number one, have they worked in the industry? Number two, do they have a actual, real financial credentials? And number three, when you talk with them, you can always tell when somebody knows. What the heck they’re talking about, are they trying to sell you on something, or is it more like a meeting you’re having with the financial planner accountant what it should more resemble somebody who’s has your best interest in mind and is not trying to sell you products, , I don’t sell people insurance or try and get people into an annuity. That’s your long lost college friend as far. Exactly. These are, another piece of advice I can give people who are looking for help is you can tell when you talk to the person, if they know what the heck they’re talking about, and they have your best interest in mind, not their own.
Like a lot of internet influencers, bloggers, podcasts, they all have the affiliate links to these loan consolidator things. You don’t know who to trust. And that’s why I always tell people, build your own network. Of other people you trust organically, not influencers, not people with podcast, land or blogs.
And then find the right consultants to work with and pay the consultant. On an hourly basis or where they don’t really have a skin in the game again, that’s the whole problem with the financial planners, right? They’re just here to sell you stuff.
They don’t know what they’re doing. That’s why I have a job. That’s exactly what I’d say about student loans. Same thing you just said. The reason I have a job is because of the loan servicers. Are poorly trained and the reps would frankly rather be on Instagram than talking to you about your student loans and you can’t talk to a bank, they don’t know anything about it.
Your school knows how to get you into debt. They don’t know how to get you out. They don’t really, they understand less than they realize, especially financial aid. They’re just clerks. Financial planners don’t know anything about student loans or they’ve had a diet Coke version of training of it, but they are not real experts on it.
It leaves us niche open for me that just developed itself where. I already had the background and I just put it into use to help people. What about you help people on the back end once they get into student debt. What about like people with young kids or they’re going to go away to college soon, getting the most student loans, any advice there?
It happens too, because even though my speciality is in student loan repayment, a lot of my clients are families and they’ll have kids 15 to 25 years old, and some of them are in debt. Some of them are going to college and some of them haven’t gone yet and they’ll have options to take out parent loans or the child needs to take out private loans.
That needs to be evaluated, when you’re taking out student loans, for example should I take out federal private? What are you going to school for? How much money do you expect to make when you’re finished with school? These things need to be taken in consideration. If you’re going to be a social worker take out federal loans.
You’re probably going to qualify for the forgiveness, and you’re also not gonna make that much money. So I promise you that private loan payment’s going to hurt when you enter into repayment after school on the flip side, if you only need a little bit of debt temporarily, you can get a better interest rate and plan on paying it off.
Anyways then, private loans can make sense, but if you need parent loans, there are circumstances for that, but that actually makes more sense than other things, those things it’s hard to give a general answer to that, those things do need to be evaluated. Yeah. So if any of the listeners out there, you have any best practices, let me know.
Or, if they work with anybody. This is how we build the community with the right people, not with big conglomerates who are really good at internet marketing, but guys like Jan , he geeks out on this stuff and he’s made a nice business out of it. I’m sure you enjoy doing this.
Just like how these travel hackers love which credit cards to get it’s collecting points, how you redeem the points, it’s cool. . How I built simple passive cashflow initially. Yeah. You’re passionate about it. Mainly because people have so much anxiety about it.
I often refer to myself as a student, one therapist because people call freaking out about their student loans and at the end of the call, they always feel so much better about their options and it’s a nice feeling and it’s great. And I feel like I wanted to be very few people on the planet who truly understands.
The micro and the macro picture surrounding student loans and how to apply it individually. I think it’s a rare niche that I fell into like I said I love it. Reach out to Jan and tell them you guys came from simple, passive cashflow. You want to get your contact information or website information out there for people to reach out.
Yeah. Sure. The best way to to find me is just to go to student-lone-consultant.com, which is my website. If you Google student loan consultant, I’ll be one of the top organic search results, Miller student loan consulting. Once you’re on my website, you can click to schedule an appointment.
And then I will contact you at the appointment time and I have tons of availability and the best way to get started as always with the initial consultation. From there, we can evaluate to see in what ways I can help you, in what ways you can help yourself with the loans. And I’ll be booking mind’s here to hopefully pay off that loan that my wife has.
Yeah. I already have some thoughts about that. I’ll save it for our call, just from what I’ve heard you say about it, all right. Everybody will thanks for listening. Please share this with your friends really helps us grow the show more. And if you guys are interested in the mastermind or.
Go to simple passive cashflow.com/journey. And if you’re looking to pick up the first few rental properties, remote investing, if you’re non-accredited investors, that’s what the incubators for simple, passive cashflow.com/incubator. And if you haven’t chatted before, feel free to book a call. It was looking to get to know each other a little bit better.
I ocular guys. Bye.