Student Loan Planner

Student Loan Planner

studentloanplanner.com
Travis helps you navigate the insane world of student loans, especially if you owe $50,000 to $1 million. If you’ve ever spent too much time on the phone with your loan servicer, this is the show for you. Every week we share tips on loan forgiveness, investing, crushing debt, and how to get to financial freedom when you owe more than most people’s mortgage.


Nicole Hatcher on Being a PA and Systemic Racism in Medicine
Jul 7 • 54 min
Nicole Hatcher is a physician assistant and the personal finance expert behind Frugal Chic Life. She shares her story of becoming a PA and her experiences with racism and bias as a professional. We also talk about degree creep as a hurdle for Black…
What does the future of student loan refinancing look like after the pandemic?
Jun 30 • 43 min
The student loan interest freeze is set to expire on September 30. Even if Congress passes a bill to extend the relief, you’ll have to start repaying your loans eventually. But there’s an election coming that could change the future of student…
The Danger of Becoming an Accidental Landlord
Jun 23 • 45 min
Lauryn Williams, CFP, CSLP, shares why investing in real estate might be more work than you think, how to grow passive income streams with alternative investments and tips for student loan borrowers that want to invest in real estate. In today’s…
How to Plan Pre-Student Loan Debt
Jun 16 • 68 min
Meagan Landress, CSLP and owner of Financial Coach Meagan, shares the best way to plan for the cost of undergrad and grad school, the importance of understanding how the federal student loan system works, and why you don’t have to feel embarrassed…
Shrinking the Racial Wealth Gap, with Lauryn Williams
Jun 9 • 64 min
Lauryn Williams, CFP®, is one of our student loan consultants and the owner of financial planning firm Worth Winning. In this episode, we talk about the racial wealth gap, the impact it has on communities of color, and how black people are…
The mental health challenges of student loans
Jun 2 • 53 min
Many student loan borrowers struggle with their mental health. If you’ve ever felt stress, anxiety or worry about your student loan debt, you’re not alone. Student loan debt shouldn’t stop you from living your best life. I can’t wave a magic…
The Double Debt Loophole for Married Couples Explained
May 26 • 43 min
One of the weirdest student loan repayment loopholes that I know of is the double debt loophole. It only works for married couples, but it can change the way you think about your student loan debt. In this episode, I talk about that and 7 other…
What Business Owner Dentists, Vets, Optometrists, and Lawyers Need to Know, with Tom Bodin
May 19 • 59 min
As practice owners struggle to get through this tough time, I sat down with Tom Bodin, CFA, CFP®, and a Practice Integration Advisor for Buckingham Strategic Wealth. He shares how business owners can best address financial planning amid the pandemic….
Paying Nothing, Borrowing the Max, and What this Recession Means for Student Loan Policy
May 12 • 56 min
Most financial experts are telling you to pay extra on your student loans right now because of the 0% interest rate through the end of September. But I think that’s terrible advice! Find out why and what I think the unintended consequences will be…
Some Good student Loan News (people are still saving money)
May 5 • 57 min
To help combat the doom and gloom that is the coronavirus, I’m bringing you some positive energy. Today, I talk with Meagan Landress, Certified Student Loan Professional™ and founder of Financial Coach Meagan, about some good news regarding…
Your Quarantine Stories
Apr 28 • 57 min
I did a second survey of our 20,000-plus email subscribers to find out how the pandemic and economic shut down is affecting different professions. The results aren’t what I expected. Today, I’m sharing survey findings, quarantine stories from our…
Student Loan Default Guide: How to help yourself or your friend
Apr 21 • 58 min
You might not know what to do if you’re facing default or having trouble paying your student loans. Or maybe you’re curious about what happens to your student loans when you stop paying. To find out that and more, I turn to two experienced student…
Is there any hope for veterinarians? With Diana Care
Apr 14 • 42 min
Diana Care is a veterinarian for the federal government who is passionate about taking advantage of PSLF. She shares how to best take advantage of forgiveness with a job in the non-profit or government sector, why employer-paid student loan benefits…
Q&A about the stimulus and what it means for you
Apr 7 • 40 min
In this episode, I’m getting to the truth behind the Stimulus Bill that was just passed and what it means for your student loans. Spoiler alert: It’s more than a suspension of payments and interest. I’ll help you cut through the noise so you can…
Conquering anxiety and depression after 300k of film school debt, with Stephanie Bousley
Mar 31 • 43 min
Stephanie Bousley talks about how to get rid of student loan debt to live your best life in her new book Buy the Avocado Toast. This week, I talk with Stephanie about how she accumulated $300k of student loan debt while going to film school in one of…
Getting relief on your loans during economic disaster
Mar 24 • 55 min
A lot of people have had significant changes to their incomes as a result of the coronavirus pandemic. If you’ve had a drop in pay, you could get some relief by lowering your student loan payment. I sat down with our very own Meagan Landress,…
Coronavirus, Asymmetric Bets, and Your Questions
Mar 17 • 38 min
With the stock market and global economy in a state of flux, I’ve been getting some questions about investing and coronavirus. People are asking about the possibility of a recession. Coronavirus is a very serious concern. I’m going to help you…
Tax Guide for Student Loan Borrowers
Mar 10 • 53 min
Even though I can think of about 600,000 things I’d rather talk about than taxes, it’s something we can’t ignore. I see people all the time paying way more in taxes than they should be. Today, I’m going to help you understand what you’re…
Your interest is not nearly as bad as you think
Mar 3 • 55 min
If you’re overwhelmed by the idea of student loan interest raging out of control, this episode is for you. I sat down with our senior student loan consultant, Rob Bertman, CFP®, CFA to dig into the details about why student loan interest isn’t as…
Avoid Fraud and Fake Experts with Jantz Hoffman
Feb 25 • 62 min
Jantz Hoffman is the founder of the Certified Student Loan Professional (CSLP®) designation that helps financial advisors incorporate student loan repayment planning in their practice. I invited him on the show to get his thoughts on student loan…
Election Hot Takes with Lauryn Williams
Feb 18 • 58 min
Student loan reform is a hot topic with the upcoming election. I asked Student Loan Planner Consultant Lauryn Williams to weigh-in on some of what the proposed plans might mean for your student loan payment. Join me as we walk you through what the…
Student Loan Travisties
Feb 11 • 45 min
Student loans are complicated enough on their own. When you add student loan scams to the mix, they can be almost unbearable. That’s why I’m going to cover the top 7 student loan “Travis”-ties, so you can avoid getting caught up in a mess. In…
How Money From Your Employer For Loans Can Hurt You
Feb 4 • 32 min
Free money from your employer to help pay off your loans is a great idea, right? Wrong! It could be one of the worst employee benefits ever. I’ll break down how this can affect your finances and show you how employer student loan benefits are a bad…
Student Loan Hacks You Haven’t Heard Before with Meagan Landress
Jan 28 • 43 min
As part of our series on introducing you to new members of the Student Loan Planner team, I want to take a moment to talk with Meagan Landress. She is a Certified Student Loan Professional™ and today she’s sharing her best student loan loopholes…
How Taxes and Student Loans Get Weird in a Hurry with Ben Nanney
Jan 21 • 52 min
We’ve added a new face to our Student Loan Planner team. Listen in as I interview Ben Nanney, CPA and CFP®, about the nitty-gritty on taxes and student loans. He’ll give us the inside scoop on basic tax terms and dive into some more complex tax…
Course Launch Recap
Jan 14 • 38 min
Since it’s the final day to purchase the Six-Figure Debt to Six-Figure Net Worth course, I want to share some tips from the course to give you some insight into my investing philosophy. I’ll show you how you can manage your own investments and…
Go from Six Figure Debt to Six Figure Net Worth in 2020
Jan 7 • 33 min
The Six Figure to Six Figure Net Worth Course is here! If you have a goal of growing your net worth and not letting your student loans run your life, you need to know more about this course. Join me in today’s episode as I go into detail about how…
You Could Work Twice as Hard or Learn About Growing Your Assets
Dec 31, 2019 • 30 min
When you graduate from college, you probably have a negative net worth from student loan debt. But is your negative net worth really the problem? Join me as I talk about ways to grow your assets through four proven strategies that can work no matter…
Why Your Student Loans Don’t Matter
Dec 24, 2019 • 25 min
Saying student loan debt isn’t that big a deal is a loaded statement. But it’s true! In this episode, I talk about why your loans don’t matter as much as you think they do. I also go over five common high-debt career paths and share strategies…
Debating the Future of PSLF and Student Loans with Dr. Ben White
Dec 17, 2019 • 47 min
Dr. Ben White is has been helping medical students, residents, other physicians, and everyone else manage their student loans since 2009. He’s also and author, speaker, and board-certified subspecialized neuroradiologist. Today, I talk with Dr….
Top Gifts for Student Loan Borrowers
Dec 10, 2019 • 32 min
The holidays are fast approaching and I know what you’re thinking: what should I get for the student loan borrowers on my list this year? In this episode, I go over the top 21 gifts that would make a big impact on the lives of student loan…
How to Solve the Student Loan Crisis According to Borrowers
Dec 3, 2019 • 39 min
Student loan debt is a growing problem and a hot topic in the media. I asked the Student Loan Planner community how they would solve the student loan crisis, and the results were not what I expected. Join me as I go into the details about how…
Becoming a PA with Savanna Perry
Nov 26, 2019 • 42 min
Savanna Perry is a Physician Assistant and founder of ThePAplatform.com, a site where she shares insider tips to help others navigate the journey to becoming a PA. Today, I ask Savanna how to pick the best program, what the requirements are to get in,…
Bad Decisions by Physicians with Ryan Inman
Nov 19, 2019 • 55 min
Ryan Inman, the host of the Financial Residency podcast and founder of Physician Wealth Services, shares the biggest mistakes he’s seen physicians make when it comes to student loan debt. I talk with Ryan about the state of PSLF and why hiring a…
Reflections After 3 Years of Helping Borrowers with Student Loans
Nov 12, 2019 • 40 min
In this monumental 50th episode, I’m taking you back in time on my journey of starting this thing called Student Loan Planner. Here’s the story of why I feel deeply called to helping you and others like you make sense of your finances and what…
Physician on FIRE Shares Secrets of Early Retirement
Nov 5, 2019 • 50 min
Leif is well-known in the personal finance space as the Physician on FIRE. He runs a website by the same name to inspire physicians and their patients to live a life of financial independence and early retirement. In this episode, I talk with Leif…
How the economy impacts what rates you get on student loan refinancing
Oct 29, 2019 • 41 min
Student loan refinancing can be a big help to your financial goals. But some refi strategies can make it so you can’t buy a house or start a business. In this episode, I’ll talk about when a refi makes sense for you and discuss how the economy, a…
Can You Retire Before Mom and Dad? With Robert Berger
Oct 22, 2019 • 45 min
Robert Berger, Deputy Editor at Forbes and author of Retire Before Mom and Dad, is passionate about helping others build financial independence. In this episode, I talk with Robert about how to plan for retirement and the seven levels you need to…
Why you should start a business (yes, really)
Oct 15, 2019 • 38 min
There are many reasons you should start a business. Business owners tend to make more money than associates. A business owner could pay less taxes than an associate, too. Overhead is often 45% to 60% depending on the practice, which means profit would…
Is this the best time ever to be a dentist? With Reese Harper
Oct 8, 2019 • 55 min
Reese Harper, a Certified Financial Planner and founder of Dentist Advisor, specializes in financial planning for dentists. In this episode, learn his thoughts on the financial planning industry, how to be successful running a dental business and…
Why do financial advisers give lousy student loan advice?
Oct 1, 2019 • 38 min
Why do so many financial advisers give lousy student loan advice? In this episode, the Student Loan Planner consultants — Travis Hornsby, Justin Harvey, Rob Bertman and Lauryn Williams — discuss what to look for in a financial adviser, what leads…
The first couple in history to BOTH get tax free loan forgiveness
Sep 24, 2019 • 48 min
Trent and Somer are the first couple in history to both get tax-free student loan forgiveness through the Temporary Expanded Public Service Loan Forgiveness (TEPSLF) program. Learn about how they qualified, their journey to forgiveness and their…
The Refinancing Ladder approach
Sep 17, 2019 • 45 min
Using the refinancing ladder strategy can help student loan borrowers get out of debt much faster. In this episode, learn how the refinancing ladder works for refinancing student loans — and how to decide if refinancing is right for you. In…
26 ReasonsThat Make Your Student Loan Plan Unique
Sep 10, 2019 • 42 min
Do you wonder why our student loan plan consult form has you give so much information? Hear the Student Loan Planner consultants — Travis Hornsby, Justin Harvey, Rob Bertman and Lauryn Williams — break down all 26 questions and explain how your…
How Vanguard’s website (and roboadvisors) cost America billions of dollars
Sep 3, 2019 • 36 min
Most people are committing financial sins of omission — not doing things because they’re too complicated. In this episode, see how anything from bad website designs to having too many options can cause financial inertia — and how setting up…
Your Questions Answered (our voicemail works!)
Aug 27, 2019 • 40 min
In today’s exciting episode, hear questions directly from the Student Loan Planner audience, covering topics ranging from financing a car to preparing for a massive student loan bill, with each question answered by Travis. In today’s episode, you’ll…
Case study on whether parents should help pay for graduate school
Aug 20, 2019 • 53 min
Jake wants to attend dental school while Carissa has enrolled in an occupational therapy program. See how they plan to finance their educations and why going for student loan forgiveness is a better option than Carissa’s parents paying for grad…
Only sweat the big stuff (because the small stuff doesn’t matter)
Aug 13, 2019 • 40 min
We can sweat the small stuff — like Netflix subscriptions or gym memberships or daily lattes. But sweating the big stuff — like housing and car purchases — is most important for your financial health. See how these big-ticket items can affect…
10 most common student loan servicer mistakes
Aug 6, 2019 • 41 min
Most people don’t seem to like their student loan servicer — and for good reason. Here are the 10 most common student loan servicer mess-ups and why they happen. In today’s episode, you’ll find out: The 10 most common student loan servicer…
Is your savings rate good or bad?
Jul 30, 2019 • 49 min
Do you have a good savings rate? What is a good savings rate anyway? In this episode, learn why a high savings rate is so critical — and how to secure one for yourself. In today’s episode, you’ll find out: How do you define a…
Private Loans: When you should use them
Jul 23, 2019 • 51 min
Are private student loans worth it in comparison to federal loans? In this episode, learn how your degree path and future plans affect whether private loans should be on your radar, whether they’re a good idea for parents and grad students, and…
Explaining 529s with Collegebacker CEO Jordan Lee
Jul 16, 2019 • 47 min
Jordan Lee is the CEO and co-founder of CollegeBacker, a startup that helps people start 529 college savings plans. In this episode, learn what a 529 plan is, why it’s so important and how to get started. In today’s episode, you’ll find out: What…
Dr. Zachary Kingsberg on starting your own practice
Jul 9, 2019 • 35 min
Dr. Zachary Kingsberg is a dentist who, after graduating from the very expensive Nova Southeastern University, is now running his own dental practice startup in Dallas alongside his wife. In this episode, see how Zach began his startup journey, how he…
Real Estate Investing with lots of Student Loans: Is it possible?
Jul 2, 2019 • 50 min
Chad Carson is real estate entrepreneur who has worked in real estate investing for 16 years. In this episode, learn how he got started on his entrepreneurial journey, how real estate investing really works, and whether it’s a good idea for your…
The Risk of PSLF and Taxable Forgiveness is Vastly Overestimated
Jun 25, 2019 • 40 min
Many student loan borrowers are worried about the risks of relying on Public Service Loan Forgiveness (PSLF). In the episode, find out why these risks are vastly overestimated as well as the histories of PSLF repeal attempts and taxable loan…
Student Loan Success (and carnage) Stories
Jun 18, 2019 • 41 min
The Student Loan Planner consultants — Travis Hornsby, Justin Harvey, Rob Bertman and Lauryn Williams — discuss cases they’ve had, with amazing success stories as well as financial catastrophes. In today’s episode, you’ll find out: ▪ Fun…
Resident physician tips on optimizing loan forgiveness
Jun 11, 2019 • 52 min
Dr. Mark Ard is a resident psychiatrist who finished medical school with roughly $330,000 of debt. Learn how he’s working toward Public Service Loan Forgiveness, how refinancing his loans has helped him and what his tips are for optimizing loan…
Robert Farrington on the Fastest Ways to Get Out of Debt
Jun 4, 2019 • 50 min
Robert Farrington is the founder of The College Investor, a site that’s helped people with their student loans for 10 years and counting. He worked as an executive at Target before making his way into the personal finance blogosphere following a…
SLP Consultants Debate Shady (and Legit) Payment Strategies
May 28, 2019 • 38 min
Are you familiar with shady student loan practices versus legit ones that actually help student loan borrowers? In this episode, the Student Loan Planner consultants — Travis Hornsby, Justin Harvey, Rob Bertman and Lauryn Williams — discuss what…
Don’t be an investing disaster like most student loan borrowers
May 21, 2019 • 49 min
How familiar are you with investing? Are you prepared for retirement? You may be surprised to learn that, according to a recent Student Loan Planner investing survey, many in the SLP community are not financially ready for retirement. Learn why your…
What dental, medical, veterinary and pharmacy residency programs are worth it?
May 14, 2019 • 40 min
If you’re heading into a career in dentistry, medicine or pharmacy, is a residency worth it? What are the differences in requirements, and how do those affect your salary and student loan repayment? Here’s what the economic value of a residency…
Mark Stucker shares secrets of going to undergrad debt free
May 7, 2019 • 44 min
Mark Strucker is an educational consultant based in Atlanta, Georgia. He’s worked in boarding school admissions and then the college admissions space for 19 years. After working in the KIPP (Knowledge is Power Program) Schools, he founded School…
National security professional reveals personal FedLoan trainwreck
Apr 30, 2019 • 54 min
Alan is a national security specialist living in the D.C. area. He graduated with $120,000 of student loan debt, which had now climbed to $160,000 with interest. His wife is a vice principal with about $40,000 of student loan debt herself. Both are…
Alex reveals the financial life and challenges of a marriage and family therapist
Apr 23, 2019 • 51 min
Alex Barnette is a Licensed Marriage and Family Therapist (LMFT) who graduated from St. Edward’s University in Austin, Texas. She currently has about $115,000 in student loan debt that she’s paying off. She’s also launched her own practice —…
Becoming a millionaire with six figures of student debt
Apr 16, 2019 • 44 min
Have you ever thought about being a millionaire — even if you have student loan debt? Then this episode will be powerful for you. Most people want to earn enough to retire comfortably and to live their dreams, but they aren’t sure how they can do…
Tim Ulbrich of Your Financial Pharmacist discusses the future of the pharmacist profession
Apr 9, 2019 • 39 min
Tim Ulbrich graduated from the Ohio Northern University Doctor of Pharmacy program — which he decided on straight out of high school at age 18 — with $200,000 in student loan debt. After three years of Tim and his wife being on the Standard…
Justin Harvey shares his passion for helping student loan borrowers
Apr 2, 2019 • 43 min
Justin Harvey is a brand new team member here at Student Loan Planner. As a student loan consultant, he’s hit nearly a hundred consults. He’s been in the financial industry since graduating from Villanova University in 2010. After seeing the…
Moving to Dubai with massive dental school debt with David Donelson
Mar 26, 2019 • 46 min
Dr. David Donelson graduated from Tufts University School of Dental Medicine with $330,000 in student loan debt. After practicing in New York City for two years, he felt compelled to find a brand new environment and found himself in Dubai, United Arab…
Lauryn’s path from Olympic gold medalist to student loan consultant
Mar 19, 2019 • 52 min
Lauryn Williams isn’t just a student loan consultant here at Student Loan Planner. She’s also a four-time Olympian and three-time Olympic medalist who grew up learning to save and work hard for what she had. Though she graduated without student…
How to deal with the tax bomb from vet school with Amanda Ensor
Mar 12, 2019 • 46 min
Dr. Amanda Endsor graduated from vet school with $168,000 in debt. She worked through school to make ends meet while accruing fewer student loans, and she had little support from her school when it came to handling her loans after graduating. She also…
Can you work part time (or not at all) with more than $100,000 of student loans?
Mar 5, 2019 • 44 min
If you have student loan debt and want to work either part time or not at all, this episode will blow your mind. Most people want to work less than they currently are, but they aren’t sure how they can afford to do so. No matter your life…
Law school in the most expensive city in America with Jessica Cox
Feb 26, 2019 • 48 min
Jessica Cox found herself in $300,000 of student loan debt after attending law school in New York. She went through many trials like losing her scholarships after her first year of classes. Despite the struggles during the first year, she was able to come…
Student Loan Hacks if you’re over 50
Feb 19, 2019 • 43 min
If you are over 50 years old with student loan debt or know someone who is, this episode is going to be life-changing. There are 1.9 million people over the age of 50 who still have student loan debt. The student loan repayment strategies that I’m going…
Military careers to lower law school debt with Eric Meissner JD
Feb 12, 2019 • 35 min
Eric Meissner is a Marine JAG who knew there would be financial benefits to joining the military. Eric had some good mentors and family members who encouraged him to attend law school. He went in with the intention of getting a portion of his loans…
Are Student Loans good debt or bad debt?
Feb 5, 2019 • 41 min
Is student loan debt good or bad? This is a controversial topic because we hear all the time from colleges and universities that student loan debt is ‘good’. Still having loan debt can be stressful, especially if you owe six figures. If you’ve ever…
Our first client veterinarian Elaina Petrone shares how it all started
Jan 29, 2019 • 51 min
Let’s go back to the beginning when I landed my very first student loan consulting client, Elaina. Going through veterinary school, her student loan debt quickly piled up, but I was able to help guide her to the correct repayment methods for her…
How the FIRE movement could help you as a six figure student loan borrower
Jan 22, 2019 • 48 min
Financial independence is a goal that many people strive for. Two-thirds of Americans would rather be doing something else with their time than showing up to work. In this episode, I’m going to cover the FIRE movement and why people want to achieve it.…
The Cost of Becoming a Naturopath with Katelyn Bailey
Jan 15, 2019 • 50 min
Katelyn Bailey is a student at the National University of Natural Medicine studying Naturopathic and Chinese Medicine. She she talks about what having a career as a naturopathic doctor would entail and some of the main differences between naturopathy and…
The Breadwinner Loophole with pediatric dentist, Dr. Quinn Yost
Jan 8, 2019 • 51 min
Dr. Quinn Yost graduated from dental school with around $510,000 in student loan debt. He received the best scholarship that his private school offered and that only took care of half the tuition. Going through clinicals and actually working with the…
Where do people lose most of their money? | Robert Bertman
Jan 1, 2019 • 45 min
There are 40 million people currently carrying student loan debt and about 3 million have six figures of student loan debt. Rob Bertman knew his real passion was helping people find more money in their budget that they won’t miss and began his career with…
Paying down debt from nursing school with Jenna
Dec 25, 2018 • 40 min
Jenna is an RN who recently graduated with a masters and $150,000 in student loan debt. A large number of nurses are eligible for student loan forgiveness. The issue is they just aren’t informed about the program or their options. If she could do it all…
Dealing with Dental School Debt | Samantha the Debtist
Dec 17, 2018 • 48 min
Dental school debt is frequently $200,000 to over $600,000. Even more for specialties like orthodontics, OMFS, endodontics, etc. How do you do everything you want to do like buy a practice, save for retirement, have a family, etc.? Samantha from …
The PSLF Snowball Effect
Dec 16, 2018 • 34 min
Why is Everyone Getting Rejected for PSLF Right Now? Recent stats for 2018 showed that only 96 borrowers out of more than 28,000 actually received loan forgiveness. No one seems to understand the PSLF program. In fact, the acceptance rate for…
Introducing: The Student Loan Planner Podcast
Dec 11, 2018 • 13 min
The student loan crisis is looming. CFA and Student Loan Expert, Travis Hornsby, shows why almost every professional you meet these days owes more in student debt than a brand new Mercedes. If you’ve got six-figures of student loan debt, this show is for…