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Educational Consultants
1001 Ogden Ave.
Suite 203
Downers Grove, IL

Financial Consultants
1717 North Naper Blvd
Suite 200
Naperville, IL

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Student Loan Scams: Why Borrowers Are At Risk

Student Loan Scams: Why Borrowers Are At Risk

Most families know that student loan debt has reached a crisis point. Families also know that an alarming number of students (especially those with graduate degrees) are carrying debt balances in excess of $100,000. Unable to find suitable employment, many are being forced to live with their parents as they struggle to meet their large monthly loan payments. This has created a growing industry of student loan scammers who are promising students that they can have their loans discharged, forgiven, or taken out of default.…

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The Student Loan Forgiveness Illusion

The Student Loan Forgiveness Illusion

It took a long time for the very generous forgiveness provisions included in the president’s 2010 Pay-As-You-Earn (PAYE) student loan program to finally get noticed by the general public. A full three years after launching the program, there were still only a handful of American families who knew about its existence. It’s hard to imagine a program that allowed a $40,000-a-year social worker with a $100,000 student loan debt to pay less than $200 a month for ten years and then have the entire loan balance…

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Bringing Sanity Back Into Student Loan Forgiveness Provisions

Bringing Sanity Back Into Student Loan Forgiveness Provisions

The current administration finally realized last year that it was much too generous with the student loan forgiveness provisions it added to the income-based Stafford and Grad Plus Loan programs. The provisions ended up being a huge subsidy for students from high-income families who attend graduate or law school, allowing many of them to get off the hook on having to pay back thousands of dollars on their student loan debt. The only reason these provisions have broken the bank is that the…

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The Positive Side Of Federal Student Loans!

The Positive Side of Federal Student Loans!

Often parents tell me they want their students to graduate from college debt-free because they are aware of the large debt burden many students are carrying these days. These same parents, especially those who also don’t expect their children to get campus jobs, are also seriously underfunding their retirement accounts. Prioritizing your retirement funding over college funding doesn’t make you a bad parent. Many years from now your children will actually thank you for it when they don’t have to…

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Don’t Let College Costs Destroy Your Retirement

Don’t Let College Costs Destroy Your Retirement

I know this is the time of year when many of you are considering using some of your hard-earned retirement funds to pay for college and avoid student debt.  After all, the market has done quite well over the last three years, so why not? While it is true that most of what you read on this subject will agree that it is not a good idea to use retirement funds to cover college costs, these articles are not “ringing the…

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