{"id":11055,"date":"2023-02-18T00:50:16","date_gmt":"2023-02-18T06:50:16","guid":{"rendered":"https:\/\/www.fitbux.com\/articles\/?p=11055"},"modified":"2025-02-06T09:01:39","modified_gmt":"2025-02-06T15:01:39","slug":"finding-student-loan-planner","status":"publish","type":"post","link":"https:\/\/www.fitbux.com\/articles\/finding-student-loan-planner\/","title":{"rendered":"Finding A Student Loan Planner Is Hard – Here’s Why"},"content":{"rendered":"

I often get asked why there aren\u2019t more student loan planners<\/a> that work for companies like FitBUX<\/a>.\u00a0 The answer is\u2026the finance industry is very archaic. In short, the finance industry doesn\u2019t include student loan planners because its not \u201ctraditionally\u201d the way financial experts make money.<\/p>\n

This article takes a deeper dive into the \u201ctraditional\u201d way the world of money used to work.\u00a0 Most importantly, this is a great article to read because it highlights the biases of financial professionals that you may work with in the future.<\/u>\u00a0 It also explains why I decided to start a \u201cnew\u201d way at FitBUX<\/a> and started the company as a student loan planning company\u2026<\/p>\n

Note: The following are all good people just limited in what they can provide. A student loan planner should be able to answer everything from\u00a0<\/em>student loan refinancing<\/em><\/a>\u00a0 to Public Service Loan Forgiveness.\u00a0<\/a><\/em><\/p>\n

Financial Aid Officers<\/h2>\n

Financial aid officers are great at telling you how to get a loan. However, their expertise ends there.\u00a0 They have no formal training in personal financial management.<\/p>\n

They are no different than any other loan broker. For example, you go to a mortgage broker and they will tell you how to qualify for a mortgage. Then they will help you get the mortgage.<\/p>\n

If you ask them how you should pay back the mortgage or which type of loan you should use based on your financial plan, they\u2019ll look at you blankly. That is not their expertise.<\/p>\n

Financial aid officers are the same way.\u00a0 They do not know which student loan repayment plan will best fit you and that is not what they are trained to do.\u00a0 In short, they are far from being student loan planners.<\/p>\n

Federal Loan Servicers<\/h2>\n

Federal loan servicers (Great Lakes<\/a>, Fed Loans, Navient, NelNet, etc\u2026) are the most misunderstood group in this article.\u00a0 THEY DO NOT WORK FOR YOU. \u00a0They are not student loan planners!<\/p>\n

Their job is simple.\u00a0 They are contracted by the Federal government to collect payments.\u00a0 Nothing more, nothing less.<\/p>\n

They are not there to tell you which loan is best for you. How could they? They know nothing about you and aren\u2019t there to try and save you money.\u00a0 Their job is to simply collect and pass on to the government.<\/p>\n

In fact, by law, they are required to tell you which plan gives you the lowest monthly payment. That is it. Most of those plans actually cost you a tremendous amount of money over time relative to the other options.<\/p>\n

In addition, they are large call centers. Loan servicers try to train their employees about the nuts and bolts of ALL the student loan plans.\u00a0 However, this is a near impossible task because the call center employees have zero background in finance.<\/p>\n

Almost every day we get on calls with Members of FitBUX and call their loan servicers with them.\u00a0 I used to be amazed how we will be told one thing, hang up, then call back and be told another thing from a different employee.\u00a0 Now I\u2019m not amazed at all. I actually have come to expect it.<\/p>\n

Another fact: loan servicers are incentivized to have you in your loans longer. I.e. the longer you are in repayment the more money they make.<\/p>\n

Financial Planner (CFP)<\/h2>\n

Once people realize financial aid officers and loan servicers cannot help them, they turn to \u201cfinancial experts\u201d.\u00a0 The first of these experts are CFPs (Certified Financial Planners).<\/p>\n

CFPs are great and have a good body of knowledge. That body of knowledge focuses on 8 key topics which you can view here<\/a>.\u00a0 You\u2019ll notice that debt is not one of the major topics.<\/p>\n

This always amazed me. The reason being is a complete financial balance sheet incorporates assets and debt. The materials covered in the CFP materials are extremely weighted towards assets and insurance.<\/p>\n

However, for most new grads, we have no assets and a lot of student loans. Not only that, but there are a myriad of student loan options and mortgages such as conforming loans<\/a> vs non-conventional loans.<\/p>\n

Not knowing about them can destroy your financial plan.\u00a0 Ask those who lost their homes in the mortgage crisis<\/a> due to not understanding debt.<\/p>\n

For student loans, a student loan planner needs to know about repayment plans, forgiveness programs, and refinancing options<\/a>\u2026.and this is just for student loans. What about debt planning for credit cards, auto loans, and mortgages?<\/p>\n

Bottom line, if you are going to work with a CFP, be sure to ask and quiz them on their knowledge of student loans specifically.<\/p>\n

Registered Investment Advisor<\/h2>\n

A registered investment advisor (RIA) is a fiduciary that gives investment advice. The key here is that they make their money when you invest with them. In short, they have no way of making money by giving you advice on debt.<\/p>\n

Very few RIAs are good at giving advice on debt. I don\u2019t blame them for this either. Their focus should be on managing your investments.<\/p>\n

Also, since they are paid to invest your money, the natural inclination is for them to tell you to invest instead of pay off your loans.<\/a>\u00a0This doesn’t mean an RIA is going to give you that advice but you should be aware of biases. This is true for anyone you work with from finances to health care advice.<\/p>\n

\u201cFinancial Advisors\u201d<\/h2>\n

I put financial advisors in quotes because so many people call themselves advisors nowadays. Most of these individuals only have an insurance license and their knowledge is limited to the products they sell. I would be very cautious of working with a \u201cfinancial advisor\u201d because their expertise is extremely limited.<\/p>\n

Don\u2019t believe me?\u00a0 There is a financial advisor down the street from our office looking to hire new financial advisors. Here is a picture of his window:<\/p>\n

\"\"<\/p>\n

This of course doesn\u2019t apply to all financial advisors but serves as a cautionary piece of advice.<\/p>\n

CFA Charterholders<\/h2>\n

Yes, I am biased because I am a CFA Charterholder. Most of the time you do not see a Charterholder in wealth management<\/a> or financial advising because there are so few of us.<\/p>\n

There are currently 91 countries that have CFA testing centers. There are only 154,000 Charterholders world-wide and the Charter started being handed out in 1963.<\/p>\n

Of the 154,000 Charterholders, only 5% (7,700) are in wealth management\/Financial advising.\u00a0 In short, they are in such high demand that most only manage accounts that have more than $10 million to invest.\u00a0 Therefore, you don\u2019t hear of them very often because we are really expensive to hire.<\/p>\n

This is one of the main reasons I started FitBUX: I wanted to create a platform\/technology that takes this expertise and makes them available to everyone.<\/p>\n

I, along with my co-founder, who is also a CFA Charterholder, have taken our expertise and applied it to new grads. That is why we\u2019ve been able to help new grads manage over $950mn in student loan debt<\/a>.\u00a0 Its our opinion that student loan planners are experts in student loans, obviously, but we also need to help customize the plan based on other aspects of your life and goals.<\/p>\n

Ok, enough with the shameless plug and onto the rest of the article\u2026.but yes, we are really good and you shouldn\u2019t go anywhere else but FitBUX for free help \ud83d\ude42<\/p>\n

\"Expert<\/a><\/p>\n

Student Loan Refinance Companies<\/h2>\n

Student loan refinancing<\/a> is a great way to potentially save money. However, the more you refinance the more money student loan refinancing companies will make. You should never ask them for advice because of the fundamental bias. Instead, seek help from a student loan planner<\/a> that is an expert.<\/p>\n

Accountants (CPA)<\/h2>\n

Legally, if an accountant only is a CPA, then they cannot give financial advice.\u00a0 If they are also licensed as an RIA or CFP then they can.\u00a0 However, many do not know about student loans.<\/p>\n

One quick question to ask an accountant is, \u201cCan you tell me about the tax on an income-driven repayment plan?\u201d If they look at you with a blank stare then you do not need to be asking them for student loan planning advice.<\/p>\n

Really Smart Finance People (aka They Have Their MBA or Work On Wall St)<\/h2>\n

I know many people on Wall St., from bond traders to investment bankers.\u00a0 They will be the first to tell you they know nothing about personal finance. In fact, many joke around with me about how they are a \u201ctrain wreck\u201d when it comes to their own finances.<\/p>\n

Funny (and true) story: a 30 year old investment banker with his MBA from one of the top schools in the country invested in FitBUX. I asked why he did it, here is his reply: \u201cI have my MBA from XYZ school and work on mutli-million dollar transactions everyday. Yet, I still know nothing about student loans and wealth management. I wish FitBUX was around when I had graduated. Big thing is, if I don\u2019t know about this stuff, what is happening to all those that graduate and don\u2019t have a finance background?\u201d<\/p>\n

It\u2019s like going to a heart surgeon and asking for pediatric advice for your child. They may be good at heart surgery but don\u2019t know much about peds\u2026.Same thing applies for the \u201cmoney\u201d guys.<\/p>\n

I can’t tell you how many Wall St. people I know that consolidated their loans<\/a> for no reason and it costs them thousands.<\/p>\n

Side Note: I can already hear some of my friends on Wall St. laughing while they are reading this section.<\/p>\n

Conclusion<\/h2>\n

It\u2019s hard to find a student loan planner because the industry is archaic and by no fault of its own. Student loans didn\u2019t exist 20+ years ago. Managing debt was much easier. In short, we didn’t have to worry about 88% of borrowers not knowing how their repayment plan worked<\/a>.<\/p>\n

However, the explosion of student loan debt makes debt management every bit as important, if not more important for new grads than managing investments.<\/p>\n

If you work with a CFP, be sure they know about student loans and have the tools to help you. Of course, if you want to work with an expert student loan planner then you should build your profile at FitBUX<\/a> and schedule your call.<\/p>\n","protected":false},"excerpt":{"rendered":"

I often get asked why there aren\u2019t more student loan planners that work for companies like FitBUX.\u00a0 The answer is\u2026the finance industry is very archaic. In short, the finance industry doesn\u2019t include student loan planners because its not \u201ctraditionally\u201d the way financial experts make money. This article takes a deeper dive into the \u201ctraditional\u201d way […]<\/p>\n","protected":false},"author":1,"featured_media":11109,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[185,184,183,7],"tags":[160,1915,145,2199,121],"class_list":["post-11055","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-student-loan-forgiveness","category-student-loan-refinance","category-student-loan-repayment","category-student-loans-archive","tag-fitbux-student-loan-help","tag-guide","tag-student-loan-forgiveness","tag-student-loan-planner","tag-student-loan-repayment","post-wrapper","thrv_wrapper"],"yoast_head":"\nFinding A Student Loan Planner Is Hard - Here's Why<\/title>\n<meta name=\"description\" content=\"This article details why it's hard to find student loan planner and highlights why we offer graduates expert student loan help for free.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fitbux.com\/articles\/finding-student-loan-planner\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Finding A Student Loan Planner Is Hard - 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