Independent Student Loan Consulting



“Despite my best efforts to the contrary I am not a finance guy. There was no question that I needed to speak with someone about managing my sizable debt. Paul's fees are less than the interest my loans accrue in a few days, and the confidence garnered from our conversation made the negligible expense inconsequential.

What Paul offered me beyond an evaluation of my current portfolio, and what I could not surmise independently, was an analysis of the various career trajectories that I will likely be on as a dentist and how those different avenues will affect my loan repayment strategy. As someone without a definitive practice vision, my options for repayment are not static. Paul helped me anticipate how my evolving vocational interests may summarily alter the management of my looming debt. He outlined the considerations for each of several probable career paths and their corresponding repayment options.

Paulís continued support, his offer to be available to me at any time, providing me with his cell number, and his reminders of important future dates with my lenders, allows me to do what I want to do, which is to focus on my profession and delegate the money talk to someone with thirty years of experience.”

Brian Shoemaker, DMD
Midwestern University College of Dental Medicine, Class of 2013

“Most Tulane graduates, like many students around the country, exit medical school with two hundred thousand dollars or more of debt. Paul not only presented helpful “crash courses” on what happens to our loans after medical school ends, but he also went above and beyond to make time for each of us to ask about our specific situations. His expertise surrounding the Income-Based Repayment process even as it was rolling out was critical in allowing us to capitalize on the most recent programs aimed at minimizing the burden of our loans.

Even now as a resident, I still feel confident that if I have repayment questions, Paul is the best person to ask, since I know that he will have the latest information and he understands the financial situation of students and residents.

What Paul offers is a very important service which prepares us to handle large amounts of debt and still continue to plan for other important things in our lives. I am really grateful that Tulane invested in someone like Paul. His advice about loan repayment options and how to maintain overall financial wellness has positively impacted my quality of life during residency and will continue to serve me well in the future.”

Jessica M. Schumer, M.D.
Tulane University School of Medicine, Class of 2009

“When I graduated from medical school, I was referred to PGPresents by my schoolís financial aid office. I worked with Paul Garrard, who helped simplify the complexities of my extensive loan portfolio which helped me gain an understanding of how to structure a repayment plan to meet my needs as a resident. Once I finished my three year residency program, I contacted Paul for another consultation to help plan a more aggressive repayment strategy. It was as if we had just gotten off the phone yesterday. He had my old file readily available and was eager to help, all without any additional cost after three years.

I highly recommend PGPresents to any new medical school graduates.”

William Casey Frew, M.D.
Tulane University School of Medicine, Class of 2012

“Paul was so helpful before I started residency, then four years later, when I was about to start my first job, he was readily available again and helped me navigate my repayment options. It was as if our conversation four years ago just picked up right where we left off. Using PGPresents has been such a great help for me.”

Ruth Yemane, M.D.
Palo Alto Medical Foundation
Tulane University School of Medicine, Class of 2010

“Your emails have been invaluable in helping us navigate the student loan system.”

Conroy Chow, M.D.
University of Michigan Medical School, Class of 2011
Dermatology, University of Michigan Medical Center

“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.

“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., M.P.H.
Tulane University School of Medicine, Class of 2009
Family Medical Fellow, Tufts University School of Medicine