Which repayment plan
IBR, RAP, Standard, or a private refinance. The right answer depends on when you borrowed, your income path, and your goals.
Student loan consulting
A clear plan for your six-figure student debt.
The rules changed in 2026, and the wrong repayment choice can cost a dental specialist tens of thousands of dollars. Sit down one-on-one with someone who works with these loans every day and leave knowing exactly what to do next.
- One flat fee
- Built for dental specialists
- Individual or couple
Consultations from$495
Your plan,
in writing.
in writing.
What we help you decide
Big decisions, made with your actual numbers.
Calculators are a great start. A consultation puts your loans, income, and family situation together into one recommendation.
PSLF or private practice
Whether forgiveness is worth chasing, and what a private-practice offer has to pay to come out ahead.
Married filing status
Filing jointly or separately can change income-driven payments dramatically. It is worth running both ways before you file.
Packages
Simple, flat-fee pricing.
Pick the option that fits your household. No subscriptions, no upsells.
Individual
For one borrower who wants a clear, personal repayment strategy.
$495one-time fee
- Review of your federal loan data (MyStudentData file)
- Repayment plan comparison: IBR, RAP, Standard, and refinance
- PSLF vs. private practice break-even analysis
- One-on-one strategy session
- Written summary of your recommended plan and next steps
Couple
For married or soon-to-be-married borrowers planning together.
$695one-time fee
- Everything in Individual, for both partners
- Married filing jointly vs. separately payment comparison
- Coordinated strategy across both partners’ loans
- Joint strategy session
- Written summary of your household plan and next steps
How it works
From scattered loans to a plan in four steps.
Before we meet, grab your MyStudentData file. Want a head start? Run it through our MyStudentData Decoder to see your loans organized.
- 01Book
Choose Individual or Couple and send us a short note about your situation.
- 02Share your data
Download your MyStudentData file from StudentAid.gov and send it with your recent income details.
- 03Meet
Walk through your options together and get your questions answered.
- 04Get your plan
Leave with a written plan you can act on, and the reasoning behind it.
Questions
Good to know before you book.
Who is this for?
Dentists and dental specialists with federal or private student loans, whether you are still in residency, just signed your first contract, or deciding between public service and private practice.
What should I have ready?
Your MyStudentData.txt file from StudentAid.gov, your most recent tax return or expected income, and any job offers you are weighing. Not sure how to get the file? Our Knowledge Base has a step-by-step guide.
Why is there a separate couple package?
When both partners have income or loans, the household strategy matters more than either plan alone. Filing status, whose loans to prioritize, and how forgiveness timelines line up all interact.
Is this tax or legal advice?
No. Consultations are educational planning. We will flag tax questions worth raising with your CPA, especially around filing status.
Ready when you are
Stop guessing. Get a student loan plan built for you.
Individual consultation $495 · Couple consultation $695
Consultations are educational and are not tax, legal, or investment advice. Student loan rules and plan availability are set by the U.S. Department of Education and can change.