An Expert Student Loan Planner Is ready to help you!

Our goal is for you to trust FitBUX and subscribe to our membership.  We understand money is a long-term journey not just a one-time thing. 

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!

We can help with all forms of debt including both Federal student loans and private loans.

Subscriptions are our primary source of revenue.  

We also have vetted a number of providers such as mortgage/student loan lenders and receive monthly fees from them.  FitBUX Members are under no obligation to use our partners.  We provide them because we know how difficult it is finding good help in financial services and want the best for our Members.

The last way we generate revenue is asset management fees via our hybrid robo advisor.  Again, FitBUX Members are under no obligation to use this service. 

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.  

All of our student loan planners are FitBUX Experts.  Experts 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.

Saving money is a biproduct of what we do. However, our primary objective is to make your student loan debt compliment your life instead of dictating it.