Which Clients to Re-Model Before July 1: An Advisor’s Checklist
Published by Finology Software · For financial advisors On July 1, 2026, the Repayment Assistance Plan (RAP) becomes the default income-driven plan, SAVE/PAYE/ICR begin sunsetting, and new borrowing limits take effect. For the borrower sitting across from you, this isn’t abstract policy — it changes their actual payment, and in several cases it creates hard […]
Why Your Best Clients Haven’t Told You About Their Student Debt Yet
Roughly 43% of HENRY households — dual-income professionals aged 30 to 45 earning between $200k and $500k — are carrying federal student debt into their retirement planning conversations. Their advisors know about the 401(k)s, the RSU grants, the mortgage, the 529s, the deferred-comp picture. Most have never been shown the loan balance, the interest rate, […]
Two Sets of Federal Loans, One Household: The Multigenerational Planning Conversation You’re Avoiding
A 57-year-old dentist walks into your office. She’s on track to retire at 62. Her husband co-signed Parent PLUS loans for their youngest, who is a junior at a private university in the Midwest. Her son, a registered nurse at a nonprofit hospital system, has $78,000 in federal loans and is four years into Public […]
Multigenerational Student Loan Planning: A New Era for Financial Advisors
Across the country, financial planners are seeing a rapid shift in how families approach higher education and long-term financial strategy. For the first time in modern U.S. history, multigenerational dynamics sit at the center of financial planning and student loans are one of the primary drivers. As federal repayment resumes and new regulations take shape, […]
Why Free Student Loan Calculators and Spreadsheets Won’t Build Your Practice And What Will
Student loan repayment planning is now a 30 year journey. Is your firm in it for the long haul or just trying to get by with makeshift tools? The Problem With Free Tools Free calculators, spreadsheets, or “quick hacks” may seem convenient at first. They’re fast, cheap, and easy to access. They’re also disconnected and […]
From Pre-College Planning to Student Loan Repayment: The Natural Next Step for Forward-Thinking Advisors
If you’re a College Financial Consultant or a financial advisory firm offering pre-college planning services, you already understand how deeply education decisions impact families’ financial futures. But the journey doesn’t end when a student graduates, student loan repayment planning extends your scope of service, creating a seamless continuum of support from admission to repayment. In […]
The Secret Tech Most Financial Advisors Haven’t Heard About Yet
Built from the ground up for financial advisors, Finology Software transforms what was once a messy spreadsheet exercise into a seamless, scalable service. It gives advisors the clarity and confidence to deliver smart, personalized strategies for clients across the full federal debt lifecycle. If you’re already advising parents on 529 plans or helping families evaluate […]
The Untapped Goldmine Most Financial Advisors Haven’t Discovered Yet — But Should
There are 44 million student loan borrowers in the United States today. Meanwhile, there are just about 100,000 Certified Financial Planners (CFPs) in the country. That’s a staggering ratio — more than enough business to go around for every advisor and firm. Yet, for reasons unknown, many firms are still avoiding the opportunity that could […]
Finology Software Encourages Advisors to Leverage the Student Loan Help Network
At Finology Software, we know that being a great advisor in today’s environment means staying informed, visible, and connected, especially when it comes to student loans. That’s why we’re encouraging all of our users to take advantage of the Student Loan Help Network, a trusted platform that provides high-quality educational programming, expert office hours, and […]
Turning Student Loan Advice Into Growth: How Finology Software Helps Advisors Win
Student Loans Aren’t Just a Headache: They’re a Growth Opportunity Millions of Americans are stuck in repayment limbo with rising balances and confusing forgiveness rules. And with IBR forgiveness paused and interest on SAVE resuming, the need for expert student loan advice has never been more urgent. Unfortunately, most advisors still avoid this space, either […]