Specialized student loan planning
Varela Financial helps graduate professionals understand repayment options, forgiveness strategies and how student debt fits into their larger financial picture.
What we do
Choosing the right repayment plan can be tough. When researching your options, most of the repayment plans look pretty much the same. But what they equate to in terms of short-term and long-term cost is drastically different.
We not only help you understand how these plans work, but also show you what your individual case looks like mapped out within each option.
$44M+
Student loan debt analyzed
$22M+
Client savings identified
$86,000
Average savings per case
7+
Industries served
Figures as published by Varela Financial for 2022–present.
Why this is different
A refinancing-only question
“Can I get a lower interest rate?”
The strategy questions we work through
Who we help
Profession-specific strategy for graduate professionals carrying significant student debt.
It's important for attorneys to understand the relationship between debt repayment and wealth building.
Finding a healthy balance starts with deciding what to do with your student loans. Whether you're working for the government, a small family law firm, or BigLaw, we'll help you find that balance.
The smartest decision a PT can make early in their career is creating a repayment plan for their student loan debt.
When tackling large amounts of student loan debt, the strategy you choose will either cost you or save you tens of thousands of dollars. Be sure to make the right choice.
Residency and fellowship are a vital part of your career. Planning repayment during this time is key to securing your financial future.
The repayment strategy you choose during training will either set you back or get you ahead of your financial goals. Be sure to make the right choice.
You care for our favorite furry friends. We'll take care of your finances, starting with your student loan repayment.
Don't let your student loans get in the way of your financial goals.
Planning your student loan repayment early in your career is vital to your financial success.
Don't let your student loans get in the way of your financial goals.
Whether you're an employee of a practice or the owner of a practice, we have strategies designed for you.
The repayment strategy you choose can either cost you or save you hundreds of thousands of dollars. Be sure to make the right choice.
How it works
A free 15-minute phone call to discuss your case, understand your situation and decide together whether a full consultation makes sense.
We map your individual case across the repayment options available to you, so you can see short-term and long-term cost side by side.
We walk through the strategy, what to do and why, so you leave understanding the plan rather than just following instructions.
Case studies
Each case compares the projected cost of the client's prior plan with the projected cost of the strategy reviewed with them.
Attorney
$36,473 difference
Attorney
$62,836 difference
Attorney
$109,765 difference
Attorney
$189,802 difference
Attorney
$54,000 difference
Attorney
$64,000 difference
Illustrative client example. Individual results and circumstances vary.
Testimonials
“This meeting was very helpful. I didn't know that I would need to pay taxes on my loan when it's forgiven. I also didn't know that having a family would help to lower my monthly and long term costs. I also didn't know how to minimize my monthly payments as low as possible. So now that I know these things I feel a lot better about my plan!”
“I couldn't find much information on the student loan websites regarding the different repayment plans so this [consultation] was extremely helpful. I liked visually seeing all the numbers and plans side by side and was excited to see how low my payments and total cost would be. Thank you so much!”
“Just after my first 15 minute phone call with Varela Financial, I instantly felt relief about my financial situation. Varela Financial answered all my questions, and completely relieved all my anxieties about my student loans. Varela Financial breaks down all the complex financial information into digestible chunks, and will make sure you 100% understand exactly what he's talking about.”
“The consultation was very helpful. It was good to see that even though I got out of a graduate school program and wasn't necessarily going to be making six-figures, it is possible to pay things down efficiently while still enjoying my finances, income, savings, and be able to save for retirement. That was a huge plus for me!”
“Now that I have a good understanding of how my student loan repayment plan works, it makes me feel better about my monthly payments and gives me more wiggle room to plan for my other financial goals.”
“Varela Financial is very knowledgeable. Extremely thorough and broke down everything for me to understand what our meetings would be about. In the meetings, I felt that I was being taken care of and I had nothing to worry about.”
Get in touch
Schedule your free 15-minute phone call to discuss your case today and learn how Varela Financial can help solve your student loan problem.
Illustrative client example. Individual results and circumstances vary.