Independent Student Loan Consulting
| “I’ve never hired a personal consultant to help me manage anything before, but
hiring Paul and working with him over the past 6 months has honestly been one
of the best decisions I have ever made.” Randi Sokol, M.D.,PGY-3, UC Davis “Paul was an advocate for me in residency, always letting me know ahead of time when something was going to happen that might impact my loans. Thanks to his heads up, I was able to lock in a low rate on my loans before the rates went up, something that saved me a bundle. Throughout residency and even during my fellowship program, I always felt like I could call Paul when I had questions about my student loans. He was always objective with his guidance, but also willing to suggest a course of action, one way or the other. He was easy to reach and was always responsive.” Shamiram Feinglass, M.D., M.P.H. “The thing I appreciated most about Paul's help with my loans was his endless patience, and his vast wisdom in dealing with the financial world, something which is very foreign to me. He always was at the ready to assist me and answer my questions, soothe my panic, and offer sound advice.” Sammy Schrier, M.D. “When it came time to dealing with the loan servicers and the Direct Loan Consolidation (DLC) program, Paul proved his weight in gold time and time again. He has a number of contacts at each of the loan servicers and the Department of Education, and would not hesitate to advocate to them on my behalf whenever an issue arose, which trust me, happens quite often and is the last thing you want to have to deal with while you are in residency or stressed with work.” Christopher Patrick Bechtel, M.D. New York University School of Medicine Class of 2010 Surgery Resident, Case Western Reserve |
HELP FOR Medical Residents
PGPresents has a number of services designed to meet your particular needs and budget. Take a look at the following and see what kind of help you need.
- Extremely popular, inexpensive way to keep up with your student loans.
- May be the best $100 you ever spent.
- Periodic reminders, tips, and updates on everything from consolidation to Income Based Repayment (IBR) to Public Service Loan Forgiveness.
- You can ask general questions about your student loans on the DML and the answer is posted to the entire DML, but without your name ever being mentioned.
- Service may be ideal for medical residents who have a good handle on their student loans, but who do not want to miss any important deadlines or developments that might impact how they manage their student loans.
- $100 for seven months ($50 refundable after completion of service if you do not think it was worth it).
- Click here for detailed information on how the Debt Management ListServ works.
- Should you be interested in this service, please complete the Client Intake Form (CIF) and/or contact Paul at paul@PGPresents.com or 877.201.6162.
- Popular new personal service that may be ideal for someone who is not sure how much help they need, but knows they want a detailed review of their student loans and an honest discussion about options with someone who knows what they are doing and can help them with their student loans, and who will provide objective information.
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Service includes:
- Detailed review of entire student loan portfolio, including NSLDS record, any private loans, and discussion of repayment strategies.
- Detailed discussion of repayment options including Income Based Repayment (IBR).
- Detailed discussion of loan consolidation, including tips on how to consolidate and timing.
- Details on the Public Service Loan Forgiveness program and how to qualify.
- $250 for consultation, with no clock running (consultations usually take an hour and a half).
- Detailed summary and action items provided afterwards.
- Deposit can be used as payment on other services, should you decide you want additional help later.
- Should you be interested in this service, please complete the Client Intake Form (CIF) and/or contact Paul at paul@PGPresents.com or 877.201.6162.
- Service specifically designed to help borrowers with consolidation.
- Includes everything available with the One-Time Consultation (detailed consultation, summary, action items, but help completing the consolidation application and review of Direct Consolidation Loan Summary Sheet).
- Service will run 3-4 months, depending on how long it takes for your consolidation loan to go through.
- Unlimited access to Paul during that time.
- $350 with deposit of $200 requested at time service begins and remaining balance billed two months into service (deposit fully refundable after three months should client think the service was not worth the cost).
- Should you be interested in this service, please complete the Client Intake Form (CIF) and/or contact Paul at paul@PGPresents.com or 877.201.6162.
- Ultimate person, long-term, personalized help for medical residents who have questions about their student loan portfolio and need lots of individual guidance.
- Service may be ideal for recent medical school graduates who know they will need help throughout the summer and fall of their graduating year.
- Seven month agreement, with unlimited access to Paul during that time.
- Complete student loan portfolio review, including any federal, private, and institutional loans.
- Help developing a repayment strategy.
- Help with the consolidation process, should client decide to consolidate his or her eligible loans.
- Third Party Authorization (TPA), if requested, whereby Paul can contact your loan provider(s) for you, including contacting the Direct Consolidation Loan program should you decide to consolidate your eligible federal loans and want help tracking your application and servicing.
- $600 for seven months, with deposit of $300 requested at time service begins and remaining balance billed three months into service (deposit fully refundable after seven months should client think the services were not worth the cost).
- Should you be interested in this service, please complete the Client Intake Form (CIF) and/or contact Paul at paul@PGPresents.com or 877.201.6162.
Help for Non-Medical School Graduates
Non-medical school graduates, including those from disciplines such as allied health, arts and sciences, dental, law, public health and other health sciences, and theology, are welcome to contact PGPresents for help with their student loan portfolios.
PGPresents can help answer your questions about repayment options, including Income Based Repayment (IBR), federal and private consolidation, and the Public Service Loan Forgiveness program, plus show you free resources that may meet your needs.
This service for Non-Medical School Graduates is provided as a One-Time Consultation, which routinely takes anywhere from an hour to an hour and a half. You can also request PG Triage for non-medical school graduates, which provides three months of assistance with repayment including IBR, consolidation, and Public Service Loan Forgiveness. The One-Time Consultation fee for non-medical school graduates is $250 and the Triage fee for non-medical school graduates is $400.
Should you be interested in this service, please complete the Non-Medical School Client Intake Form and/or contact Paul Garrard at paul@PGPresents.com or 877.201.6162. There is no obligation should you call.
Help for Schools and Teaching Hospitals
PGPresents offers schools and teaching hospitals a variety of services, with a focus on in-person educational debt management presentations that are designed specifically to meet the needs of a school or teaching hospital’s students or residents and fellows. PGPresents encourages schools to consider working with any teaching hospital they may be associated with to help share the cost of these presentations:
- Entrance and Exit Counseling for incoming and graduating students.
- Presentations and workshops for residents and fellows.
- Debt Management Listservs designed specifically for graduates and residents (Debt Management Listservs are routinely part of any contact PGPresents offers to schools and/or teaching hospitals).
HELP FOR HIGHER EDUCATION GROUPS
PGPresents offers higher education groups, including discipline-specific associations, other non profits, and other organizations with projects related to educational debt management, a variety of services:
- General consulting on educational debt management.
- Help with Web site content.
- Messaging for constituents, including postings on Listservs and other member correspondence.
- Training for staff on educational debt management, including Webinars.
- Development and presentation of educational debt management Webinars for clients.
- Help with content and delivery of debt management presentations, including in-person presentations and Webinars.
- Articles on educational debt management and financing a health sciences education (for examples, please see www.ExploreHEALTHCareers.org).