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Pick your niche / Niche moments
Student loans

10 moments for people with student loans.

Name the moment, not the job title. Each one has a hook line to open a post or video with, its ringtone (the letter, bill or date people react to before they think) and what's at stake.

  1. Graduation and grace period

    “Six months after graduation your loans come due. Choose a plan before the first bill.”
    Ringtone
    The grace period notice
    What's at stake
    Plan choice changes payments and forgiveness.
  2. Choosing a repayment plan

    “Standard, graduated or income-driven? The cheapest monthly payment isn't always the cheapest plan.”
    Ringtone
    The servicer's plan options
    What's at stake
    Total cost versus payment.
  3. PSLF eligibility

    “Working for a nonprofit or government? Your loans may qualify for forgiveness after 10 years.”
    Ringtone
    The employer certification
    What's at stake
    PSLF requires qualifying loans, plan and employer.
  4. Refinance offer

    “A refinance offer looks great. It also ends federal protections and forgiveness options.”
    Ringtone
    The refi email
    What's at stake
    Refinancing federal loans is permanent.
  5. Getting married with loans

    “Getting married? Your spouse's income can change your income-driven payment.”
    Ringtone
    The marriage certificate
    What's at stake
    Filing status and IDR calculations.
  6. Rule changes in repayment

    “Repayment rules changed again. Check what it means for your plan this year.”
    Ringtone
    Servicer notice of plan changes
    What's at stake
    Federal programs change; staying current matters.
  7. Paying off vs investing

    “Pay off loans faster or invest? The answer depends on your interest rate.”
    Ringtone
    An extra $500 a month
    What's at stake
    Debt payoff versus investing tradeoff.
  8. Parent PLUS loans

    “Took out Parent PLUS loans for your kid? Your repayment options are more limited.”
    Ringtone
    The PLUS loan statement
    What's at stake
    Parent loans have different rules.
  9. Employer loan repayment benefit

    “Your employer will pay toward your student loans. Make sure you enroll.”
    Ringtone
    The benefits portal
    What's at stake
    Employer repayment and 401(k) matches on loan payments.
  10. Final payment

    “Your last loan payment is next month. Redirect that payment to savings the month after.”
    Ringtone
    The payoff letter
    What's at stake
    Freed-up cash flow is a savings opportunity.

Make a video about one See advisors for people with student loans

General education, not financial advice. Check rules and figures against current law before you publish.