Meet The Student Loan Coach
“I don’t tell people what to do with their student loans. I help them see every option — and the real cost of each — so they can choose confidently.”
I’m Renée, The Student Loan Coach, and I help borrowers make strategic, informed decisions about their student loans — not emotional or rushed ones.
My work focuses on analyzing your full financial picture and creating a clear student loan strategy that aligns with your income, goals, and long-term plans.
With advanced training in personal financial planning, financial therapy, student loan counseling, and over a decade of experience as a financial coach, I bring both technical depth and a non-judgmental, human approach to this work.
Student loan decisions are some of the most expensive and irreversible financial decisions people make — yet most borrowers are forced to make them with incomplete or confusing information.
That’s where my work is different.
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I focus on decision accuracy, not generic advice
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I approach student loans as a specialized area of financial planning
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I model outcomes instead of pushing one solution
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I lead with clarity, not judgment
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My role — and my boundaries
If you’ve been paying for years and still feel stuck, overwhelmed, or unsure what your next move should be, you’re not alone — and clarity is possible.
AS FEATURED IN
When Retirement Is
on the Line
Turning a $2,127 Monthly Payment Into a Sustainable Plan
Client: Public-sector sales professional,
age 62
Primary concern: “Will my student loans prevent me from retiring?”
This client came in facing severe payment shock — over $188,000 in Parent PLUS loans with a $2,127 monthly payment on the standard plan. At that rate, retirement within the next decade felt impossible.
The Student Loan Strategy Report uncovered a time-sensitive federal strategy, combined with tax and investment planning, that most borrowers — and even many advisors — never know exists.
The result:
· Monthly payment reduced to $710
· Projected forgiveness: $279,260
· Total projected cost reduced by over
$80,000
· A clear, realistic path to retirement —
without draining savings
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Why this matters:
Even borrowers with the most restrictive loan types can have powerful options — if someone knows how to analyze the system strategically.
When You Want to Build Wealth — Not Just Pay Loans
Lower Payments Without Costly Mistakes
Client: Chiropractor, age 30,
recently married
Primary concern: Paying the least amount possible while working toward other financial goals
With nearly $200,000 in federal student loans, this client was paying $2,160 per month on the standard plan — limiting their ability to save, invest, and plan as a couple.
The Student Loan Strategy Report focused on:
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Avoiding irreversible repayment mistakes
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Using time and forgiveness rules strategically
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Introducing an investment-aligned approach to repayment
The result:
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Monthly payment reduced to $815
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Projected forgiveness: $211,451
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Total projected cost reduced by over $54,000
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Ability to invest and build wealth while repaying loans
Why this matters:
Paying extra on student loans isn’t always the smartest move. Strategy beats speed when you understand how the system works
When You Want to Get It Right From the Start
Clear PSLF Strategy for a Young Nonprofit Professional
Client: Social worker, age 24
Primary concern: Lowest payment possible + a clear PSLF plan
This early-career nonprofit professional wanted certainty — not confusion. While her loans were relatively modest, she didn’t want to overpay or choose a repayment plan that could backfire as laws change.
The Student Loan Strategy Report compared multiple repayment options and accounted for upcoming policy changes that could force borrowers into new plans later.
The result:
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Monthly payment reduced from $414 to $261
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Projected PSLF forgiveness: $17,082
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Total savings of over $12,800
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·Zero tax consequence at forgiveness
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·Confidence that every payment counts
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Why this matters:
Early decisions compound. Choosing the right repayment plan from day one can save thousands — and years of stress.
Different ages. Different incomes. Different goals.
“I was facing over $2,100 per month in student loan payments and thought retirement might not be possible. After my strategy session, my payment dropped to $710, with a clear path to forgiveness. For the first time in years, I feel confident about retiring.”
– Public-sector professional, Parent PLUS borrower
Latest Insights
Why work with Student Loan Coach
We approach student loans as a specialized area of financial planning — because that’s what they are.
Our student loan counseling expertise and coaches who have spent over a decade helping clients navigate complex debt decisions without shame, pressure, or confusion.
Student loans are governed by decades of federal law, repayment rules, and program changes.
Most professionals are never trained on this.
That’s where we come in.