How it works
A three-step process that teaches you what to do — and why.
No automated systems, no wait times, no frustrating phone calls. Just a real, human-to-human experience.
Approach Phone Call
A free 15-minute phone call to discuss your case, understand your situation and decide together whether a full consultation makes sense.
Student Loan Repayment Consultation
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.
Solution Meeting
We walk through the strategy, what to do and why, so you leave understanding the plan rather than just following instructions.
What to expect
How we work with you
These are the principles behind every consultation.
Human to Human
Strategy Focused
Personalized Planning
Relationship Oriented
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Frequently asked questions
What is your process when you start working with a new client?
We use a 3-step process with all of our clients. The first step is our Approach Phone Call. The second step is our Student Loan Repayment Consultation. The third step is the Solution Meeting. This process allows us to educate you on what to do, and why.
What are the services you offer?
We offer a variety of financial services: student loan repayment services, wealth accumulation, insurance planning, and tax planning. Our goal is to have all the necessary financial services in one place, so you have one team of advisors who are all on the same page.
How do I know if I make too much money to qualify for Income-Driven Repayment?
There is no income qualification for IDR. You technically could make over a million dollars a year and be on an IDR plan — but you probably wouldn't want to.
How do I know if Income-Driven Repayment makes sense for me?
Generally, if you have more federal debt than income, Income-Driven Repayment could be an attractive option for you. But every case is different, so it's important to consult with a professional before making any decisions.
How do I know if or when to refinance federal loans into a private loan?
It depends. Every case is different. Generally, if your monthly payments on a private loan would be lower than your payments on any of the federal repayment plans, refinancing into a private loan could be a good option. This is not a recommendation.
How do I know if I qualify for loan forgiveness?
All federal Direct Loans qualify for loan forgiveness on Income-Driven Repayment. The federal Direct Loans are Grad PLUS and Stafford Loans.
Is PSLF the only forgiveness plan?
No. PSLF is more of an "add on" to one of the Income-Driven Repayment plans.
Educational information only, from Varela Financial's published FAQs. Not legal, tax or individualized financial advice.
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Plan your student loan repayment, reach your financial goals.
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.