Student Loan Advice

Decisions about how to properly manage student loans are becoming more and more complicated each year with ICR, IBR, PAYE, RePAYE, PSLF, and other repayment programs. In addition, there are now more than 20 companies refinancing student loans, some of which will do so during residency. Making your student loan decisions properly can be worth tens or even hundreds of thousands of dollars. Unfortunately, many financial advisors don’t know the details of these rapidly changing programs. The advisors on this page specialize in student loan management. Like other recommended services, they are paid advertisers on the site who have been vetted by me.

Consilium Tax Services

Consilium Tax Services was founded by Joshua Thompson CFP©, EA. He has been featured in previous guest posts (on comparing disability insurance and another on student loan repayment) and is a frequent commenter on the WCI blog. He offers the following services to WCI readers:

  • Student loan repayment strategies (starts at $200 for residents and fellows and $300 for attendings)
  • Tax Preparation and Student Loan Strategies for a $200 base fee to residents and fellows
  • Disability Insurance
  • Term Life Insurance
  • Resident/Fellowship Advocate Program

Joshua lives and works in Tampa, FL but works virtually with clients throughout the USA.

Student Loan Planner

Travis Hornsby, CFA, founded Student Loan Planner in 2016 after discovering that bad student loan advice had cost his urogynecologist wife tens of thousands of dollars. Travis and his team have advised over $700 million of student debt, making Student Loan Planner the largest student loan consulting group in the country.

Whether you’re trying to figure out how to get the most out of PSLF after a large increase in income, decide on your tax filing status as a married couple to minimize payments, or model the tax liability of seeking loan forgiveness in a non-PSLF eligible job, we’ve got you covered. The more complex your situation, the more we can help because we’ve probably seen it before with our more than 2,700 clients. Our singular focus on student loan planning (it’s not a lead generation tool for something else, it’s all we do) means our number 1 priority is removing your stress by getting the absolute best long term strategy in place.

If you use the link on this page to book, we’ll give you an additional 6 months of email follow up questions after the consult for being a White Coat Investor reader.

Miller Student Loan Consulting

Jan Miller is a nationally-renowned student loan expert, and president/founder of his own private consulting company, Miller Student Loan Consulting, LLC. After working for many years in both the student loan industry, and the financial services industry, Jan now helps student loan borrowers nationwide with consolidating their federal loans, refinancing their private loans, enrolling in ICR, IBR,PAYE, RePAYE and other income-driven repayment plans, discovering student loan forgiveness options, lowering, delaying and/or simplifying their student loan payments, saving thousands in interest, and creating a financial plan for their student loan repayment that fits in with their budget and life. Jan offers complimentary consultations by appointment only. Scheduling one is easy at


Physicians choose Navigate because they trust us to give them the data and advice they need to make a solid decision. Since 2009 we’ve helped thousands of physicians get on track to save over $150 million dollars on their student loans.

It’s easy to get started.

  1. Book an appointment. Click here.
  2. Upload your loan information.
  3. We’ll consult by phone and share a computer screen.

Our fees: If you’re looking for the lowest upfront price, we may not be for you. However, if you seek an expert to help you today and over the lifetime of your loans for a one-time fee, contact us. Our standard fee is $1,000. Residents and fellows qualify for a fee of $395. This fee includes your partner if you both have student loans.

Our services: analysis of repayment options, including Public Service Loan Forgiveness, income-driven repayment plans, and private refinance, plus discussion of the pros and cons of each. You receive action steps, plus unlimited phone calls, emails, and texts, including running fresh numbers, for the life of your loans. We’ll join you for three-way calls with the loan servicer, when needed. All services are included at no additional cost.