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What Issues Should I Consider When Paying Off My Student Loans?

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**Note: This guide does not reflect changes from President Biden’s Student Debt Relief Plan. We will continue to monitor the situation and make changes once more finalized information is provided.**

Given the current U.S. student loan debt statistics, you are very likely to have clients managing federal or private student loans. There are many factors to consider when choosing a repayment plan or deciding to refinance or consolidate. Each client’s unique circumstances will determine what strategies are available and favorable to them.

This checklist helps guide your conversations with clients when planning around their student loans, and covers:

  • Relief available to borrowers
  • Repayment considerations
  • Costs and benefits of refinancing
  • Eligibility for loan forgiveness


Updated 7/1/2023

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