Independent Student Loan Consulting


Paul S. Garrard

Paul S. Garrard
Founder and President
PGPresents, LLC

“Paul Garrard's call for “shared responsibility” is the perfect concept to help today's students borrow responsibly and successfully manage their debt. Every stakeholder in higher education has a role to play—but it is the student that ultimately must decide the right balance between debt and future earning potential.”

Timothy Fitzgibbon,
Senior Vice President,
Debt Management Services,
National Council of Higher Education Resources (NCHER)


About Paul
With over 35 years of experience in student financial aid and higher education, Paul Garrard is one of the most well known and in-demand student loan debt management experts in the nation, especially in the medical and health professions communities.

His specialty is helping medical school graduates make sense of their student loan portfolios and develop repayment strategies as they transition into their careers or move into residency programs. In August of 2008, he started his own company, PGPresents, designed to help borrowers who need straight answers, objective information, timely updates, and personalized help managing their student loans.

Paul also works with medical and other health sciences schools and organizations who need help with their educational debt management programs.

Mr. Garrard has experience in both the non-profit and for-profit sectors of higher education and student financial aid. He holds a Bachelor of Arts from Samford University in Birmingham, Alabama and the M.B.A. from the University of Georgia in Athens, Georgia.

  • Assistant Director of Financial Aid at Emory University
  • Director of Student Financial Planning at the Georgetown University School of Medicine
  • Vice President for Student Services at the Association of American Medical Colleges (AAMC)
  • Vice President for Debt Management Services at the National Council of Higher Education Resources (NCHER)
  • Vice President, Debt Management Services for Graduate and Professional Programs and Director of Private Loan Consolidation at Sallie Mae
  • Founder and President, PGPresents, LLC

  • B.A., Samford University, Birmingham, Alabama
  • M.B.A., University of Georgia, Athens, Georgia

  • American Dental Education Association (ADEA)
  • Financial Planning Association (FPA)
  • National Council of Higher Education Resources (NCHER)