Are student loans stressing you out?

I can help!


I’m Benjamin and I LOVE saving folks money on their student loans!

I remember when my wife told me she had massive student loan debt due to professional school, I decided I needed to do everything to help her tackle it!

I've leveraged my background in mathematics, finance and analytics to develop a playbook to help my wife with her student loans. It made a big difference to her, and soon I had similar conversations with her friends and colleagues in similar situations.

I quickly realized I could apply this same method to other folks too. Yes, this means I can probably help you too! I’ve helped folks save a collective $10M+ in student loan payments (averaging over $25k per person with some as high as $100k+).

Please read through this page to get some additional context about how I can help. Afterwards, let me know if you want to schedule a COMPLIMENTARY intro call.

We'll use the time to discuss your situation and by the end of our call I’ll let you know if I can help you! We'll also be able to address any questions you have.

I’m looking forward to helping you obtain Student Loan Salvation!


What is a Student Loan Salvation?

Benjamin is passionate about personal finance and helping others to achieve financial freedom, which he has deemed a "Student Loan Salvation".

Student debt requires financial decisions that can have huge immediate and long term impact on one’s finances, freedom and quality of life.

While some are crippled by their student loans for decades, others are able to change their perspective on student loans and live a happier and more financially responsible lifestyle.

This is where Benjamin comes in. Utilizing his background in mathematics and finance, Benjamin developed a methodology for not only changing perspective on student loans by understanding the pertinent, but also building a long-term plan for how to tackle them!

Benjamin’s niche is helping anyone with (or will have) large amounts of student loan debt across the spectrum whether they are entering graduate school or have already finished.

Folks with $100k+ in student debt have the opportunity to save $10k+ in loan payments! Many with loans in the $300-500k range (which is common for Dentists, Doctors, Veterinarians) have saved over $100k in loan payments!

And doing all of this while lowering their effective APR for their borrowed money!

Do you need a Student Loan Salvation?

For many folks, especially Doctors, Dentist, Veterinarian and Lawyers, going to school meant taking out $50k to $100k+ in loans.

The schools seem to hold your hand during the process of borrowing the money. And then leave it to you to figure out how to approach paying them back.

I know it doesn't seem fair, and that's why I am here to help!

Most people with with $50k to $100k+ in debt don't fully understand their options and are unable to compare their options to determine which one makes the most sense for them.

If you answer yes to any of these questions, you may need a Student Loan Salvation:

  • Do you have more $50k+ in student loan debt?

  • Are you completely stressed out by your student loans?

  • Do you need help to understand all of your options (including IDR, PSLF, PAYE, REPAYE, IBR, Standard, Refinancing, Deferment)?

  • Do you need help to to calculate your monthly payments?

  • Do you need a personalized student loan approach to help you tackle your student loans and avoid overpaying your student loans?

How did it all Start?

My wife and many of her friends have one thing in common, six figures of student debt!

When I heard them speak about it, it was clear they understood the magnitude of their financial situation, but they didn’t have understand their options, have a comprehensive plan for how to tackle their student loans and it was a major stress factor in their lives.

With degrees in Mathematics, Finance and Analytics and a background in Corporate Strategy for Fortune 100 companies, I spoke to experts, read the legislation, built models to project out each and every scenario and quickly realized almost everyone is over-paying on their student loans!

We noticed most sites push people to refinance their student loans to gain commissions. We thought this was TERRIBLE because in many cases refinancing disqualifies someone from government benefits and student loan forgiveness programs.

When my wife and I developed the inaugural Student Loan Salvation for her Dental school student loans, we were able to effectively saved hundreds of thousands of dollars in potential student loan payments!

Her monthly payments were able to be reduced and her total obligation to her loans was also reduced. She now has a clear plan of action for her student loans!

After we gave her a Student Loan Salvation, we gave her friends and colleagues Student Loan Salvations too! One turned to three, which turned to ten and so on.

After that, we felt obligated to share our approach to others who could benefit from one as well!

Our wish to you is that you are able to overcome the student loans in your life and gain Student Loan Salvation!

Student loans should not be a taboo, scary, draining and embarrassing part of your life! A Student Loan Salvation will help you understand that too!

Make sure it's Apples-to-Apples!

Many people try to do this on their own, listen to friends or read up on it on the internet. Unless you do a comparison of each option (in an accurate way) you are effectively guessing. Considering this is one of the biggest financial decisions of your life, I hope that you aren't just guessing!

There are lots of options out there for your student loans. Each option has unique characteristics and implications to the amount and timing of your student loan payments.

Unfortunately, most people are unable to do a true Apples-to-Apples comparison of their options. It's not impossible, but it is challenging.

Important factors that need to be considered when financial modeling each scenario in order to compare them:

  • Net Present Value of All Payments

  • Tax Implications for Loan Foregiveness

  • Interest Accruing and Capitalization

  • Filing Status Implication on Monthly Payments

  • United States Federal Legislation Implication

Even if you understand how each of these factors will impact your student loan options, developing an accurate financial model will be a huge undertaking.

It will be a better use of your time to have a Student Loan Salvation consult and get the needed output of the Apples-to-Apples comparison.

I have a developed a methodology to do this Apples-to-Apples comparison and it will be the foundation for your personalized student loan plan!

What is covered in a consult?

Every consult is customized based on your situation. We'll spend more time on the questions topics that are important to you, but will make sure to cover everything you need to know:

Usual topics covered:

  • Do you feel overwhelmed by your student loans?

  • What are your options?

    • Standard Repayment

    • Refinancing

    • Income Driven Repayment Programs (IDR) such as PAYE, REPAYE, IBR, ICR

  • How do you know if you qualify for IDR?

  • Who can you trust with your money?

  • Are interest rates the most important thing with student loans?

  • Should I refinance to lower my interest rate?

  • What are the tax implications of Loan Foregiveness and can you plan for it?

  • What benefits do you get from IDR?

  • What's the difference between the different IDR programs? How do I compare them to determine which is best for me?

  • How can I (legally) lower my monthly loan payment?

  • What should I do with my money (finance 101 for folks who need it)?

  • Should I file taxes separately or jointly?

  • Is it bad to falsify forms to lower payments?

  • How will all of this impact me buying a house or a practice?

  • How does PSLF work? Is it real?

  • What are the implications of switching IDR plans?

  • What is the best approach for my student loans?