KEY 2 DEBT FREE

UNDERSTAND YOUR OPTIONS AND BUILD A PLAN THAT FITS YOUR INCOME

We go through your federal loans with you. We explain the repayment plans, Direct Consolidation, and the forgiveness and discharge programs you may qualify for, such as Public Service Loan Forgiveness, Borrower Defense, and Total and Permanent Disability Discharge. Then we help you organize your documents and stay on track.

The U.S. Department of Education and your loan servicer decide eligibility, and results vary. You can always apply for federal programs yourself, at no cost, at StudentAid.gov.

Book a consultation to review your loans and leave with a clear plan for what to do next.

UNDERSTAND YOUR CREDIT REPORT AND BORROWING HABITS

We sit down with your credit report and explain what is on it, how scores are calculated, and which habits carry the most weight over time. From there we build a plan around your balances. That can mean paying down high interest accounts in the right order, or consolidating several debts into one payment you can manage. The goal is a plan you understand and can keep.

Book a consultation to walk through your report with our team and leave with a plan you can follow.

LEARN HOW TO BECOME YOUR OWN SOURCE OF FINANCING

Rachael teaches the principles behind privatized banking. A properly designed whole life insurance policy builds cash value you can borrow against, and families use it to finance purchases on their own terms. Policies are designed and placed by licensed insurance professionals through our partner.

Policy loans accrue interest and reduce the death benefit if they are not repaid, and this strategy is not right for everyone.

PROTECT WHAT YOU HAVE BUILT

Learn how tax planning, trusts, and asset protection fit into a long range plan for your family. When you are ready to act, we refer you to licensed tax and legal professionals, who handle the planning and structures directly.

Key 2 Debt Free does not provide tax or legal advice.