Student Loan Advisory

Let’s Put Your Debt in Perspective

Your Loans Shouldn’t Define Your Future

Whether you're early in your career, considering public service forgiveness, or trying to balance loan payments with long-term goals, your student debt is more than a number—it’s part of your overall financial picture.


At Freedom Financial Planning Solutions, we offer student loan financial planning for clients in Michigan, Virginia and throughout the nation who want a clear strategy, not guesswork. As a Certified Student Loan Professional™, Steve Underriter helps borrowers understand their repayment options, fit them into a larger plan, and make smart decisions about saving, spending, and next steps.

Start with a Free Planning Call

What We Help You Figure Out:

  • Should I pay off my loans or save for retirement?

    We help you strike the right balance—so you’re reducing debt while still building toward long-term goals like retirement or homeownership.

  • Which repayment strategy is best for me?

    We review your loan types, income, and goals to help you choose a plan—whether that’s income-driven repayment, aggressive payoff, or something in between.

  • Am I on track for forgiveness—like PSLF?

    We walk through your employment, loan details, and payment history to check eligibility and make sure you’re not missing key steps.

  • Is refinancing the right move?

    Refinancing can help in some cases, but it may eliminate forgiveness options. We help you understand the tradeoffs before you decide.

  • How do student loans fit into the rest of my financial life?

    We place your debt in context—alongside your savings, retirement, and goals—so your plan reflects the whole picture, not just the loan balance.

What Goes Into a Thoughtful Student Loan Plan

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Repayment Strategies That Match Your Budget

We help you stay current while still making progress on other goals.

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Student Loan Forgiveness Advice

We walk through PSLF and IDR forgiveness options—especially for public service and military.

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Clear, Honest Conversations

No jargon. Just real answers to the questions you’ve been Googling.

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Planning Beyond the Debt

We keep your student loans in the context of retirement planning, savings, and financial independence.

our ongoing process

From Monthly Payments to Long-Term Planning

01

Gather the Full Picture

We review your federal and private loans, current payments, income, and life goals.

02

Break Down Your Options

We walk through repayment plans, forgiveness programs, and refinancing—with real numbers and clear pros/cons.

03

Build a Plan That Works for You

We create a payment and savings strategy that fits your lifestyle, values, and future plans.

04

Stay in Touch as Life Changes

Marriage, job changes, income shifts—we’ll be here to adjust your strategy along the way.

This Isn’t Just About Debt—It’s About Direction

Your student loans don’t have to delay your goals. With the right plan, they can live alongside your savings, your future, and your peace of mind.