Our goal is for you to trust FitBUX, subscribe to our premium membership, and call whenever you have money related questions throughout the rest of your life.

Therefore, we offer you a student loan planner for free so you trust us.  We want to be your trusted go to financial partner the rest of your life.  This allows you to use our technology and experts without having to pay a bunch of fees before you truly know what you are getting!

Today we make money 3 ways.

First, our student loan planners work with so many Young Professionals that student loan refinance lenders pay us to be on the platform. Therefore, we can offer student loan planning and our student loan refinance service for free. 

Second, we have a special currently for $15.99 per month for our premium membership.  This technology makes sure you are implementing your plan correctly.  You are not obligated to sign-up for one of these solutions.

Third, we offer other services to implement your plan.  These include investment management, mortgages, credit card refinancing, personal loans, and insurance products.

The cool thing is, our primary monetary driver is our premium memberships.  Therefore, we don't pressure you into any decisions such as refinancing, get life insurance, etc...

We don't use archaic and confusing excel sheets.  Everything is web-based and interactive.  You have access to your free profile anytime you want to log in.  The free profile includes a number of financial planning tools.  It will also be used by your student loan planner to illustrate your options during your phone call.

All of our student loan planners are FitBUX Coaches.  Our Coaches are either CFA Charterholders or they have financial planning degrees.  They have also undergone extensive training in student loans.

The finance industry is very archaic. In short, the finance industry doesn’t include student loan planners because its not “traditionally” the way the 'experts' make money.

Once people realize financial aid officers and loan servicers do not provide advice, they turn to other "experts”.  The first of these experts are CFPs (Certified Financial Planners).

CFPs are great and have a good body of knowledge. That body of knowledge focuses on 8 key topics which you can view here.  You’ll notice that debt is not one of the major topics.

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.

Very few RIAs are good at giving advice on debt. I don’t blame them for this either. Their focus should be on managing your investments.

Financial advisors... 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 them because their expertise is extremely limited.

This is just a small list of reasons.  Here is a complete article on it if you'd like to read more.

THEY DO NOT WORK FOR YOU.  An employee at a Federal loan servicer is definitely not a student loan planner.

Their job is simple.  They are contracted by the Federal government to collect payments.  Nothing more, nothing less.

They are not there to tell you which loan is best for you. How could they? They know nothing about you and aren’t there to try and save you money.  Their job is to simply collect and pass on to the government.

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.

A financial aid officer is far from being a student loan planner.  They are great at telling you how to get a loan. However, their expertise ends there.  They have no formal training in personal financial management.