Take Control of Your Student Loans
Simple DIY Guides to Manage and Eliminate Student Debt
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Student Loan Strategy Session with Pedro Gomez, CFP®
For $400, get expert help building a student loan plan that actually fits your life. Pedro Gomez, CFP® brings over a decade of financial planning experience to help you cut through confusion and make confident, informed decisions.
You’ll get a custom repayment strategy built around your goals—whether that’s qualifying for forgiveness, lowering monthly payments, or minimizing long-term costs.
For many borrowers, the savings and peace of mind more than pay for the plan.
Includes three months of follow-up email support.
Problems Booking an Appointment? Send me an email and we can get it squared away.
What Happens in a Student Loan Strategy Session?
This session isn’t just about picking a repayment plan—it’s about building a strategy that fits your life.
We’ll start by understanding your goals—whether that’s forgiveness, lower payments, or reducing long-term costs. From there, you’ll get a custom strategy tailored to your income, tax situation, and big-picture financial goals.
We can also explore how your loans affect things like buying a home, saving for retirement, or filing taxes. The result? A clear plan and three months of ongoing support so you’re never left guessing.
Fiduciary Sherpa® Guidance
You Can Trust
As a Certified Financial Planner and a decade-long advocate for debt-stressed borrowers, I have taken the helm of Student Loan Sherpa® to cut through the overload of repayment options and serve a single purpose: help you scale your own mountain of student debt.
I blend a CFP®-backed, fiduciary standard with proven planning frameworks—so you’re not just enrolled in the right income-driven plan, but building a solid stepping stone toward your bigger financial goals.
Dealing with student loans can feel like an endless climb. By zeroing in on the strategies that move the needle—IDR plans, forgiveness programs, smart tax tweaks—I’ll give you the clarity and confidence you need to finally take control.
Pedro Gomez, CFP®
The Student Loan Sherpa
Expert Guidance from
Personal Experience
The name Student Loan Sherpa is an homage to the legendary Sherpa guides of Nepal, revered for their expertise leading climbers up Mount Everest.
The goal of this site is to draw from many years of personal experience with student loans in order to guide borrowers who are navigating their own mountain of debt.
Dealing with student loans can be scary and overwhelming. By offering insight that can only come from education and experience, I hope to make it a little more manageable.
Michael P. Lux, Esq.
The Student Loan Sherpa
The Latest Posts from the Student Loan Sherpa Blog:
How PSLF Buyback Works in 2026: Step-by-Step Guide for Borrowers
If you’re short on qualifying PSLF payments due to deferment or forbearance, PSLF Buyback could be your shortcut to forgiveness. Learn how it works, who’s eligible, and how to apply in 2026.
The RAP “Poison Pill”: How New Federal Loans Can Quietly Reshape Your Entire Repayment Strategy
Borrowing new federal loans after July 1, 2026 can quietly force your older loans into the RAP system, changing your payment caps and repayment timeline. Here’s how the “RAP poison pill” works and how to avoid accidentally triggering it.
How to Pay for Medical School in 2026: Federal Loans, RAP, and Private Options
With Grad PLUS loans ending for new borrowers in 2026, medical students face a funding gap that federal loans may not cover. This article breaks down loan limits and where private loans may come into play.
Parent PLUS Loan Forgiveness Is Ending in 2026 — Why Waiting Could Lock You Out
Parent PLUS borrowers face a permanent forgiveness lockout under new federal law. Waiting until the “official” deadline could backfire due to processing delays and rule changes. Here’s what parents need to know — and why acting early matters.
What Happens to Your Student Loans If You Move Abroad? (And How to Handle Them Smartly)
Moving abroad doesn’t cancel your student loans — but it changes how they’re managed. Learn how the Foreign Earned Income Exclusion (FEIE) can affect your IDR payments, what to watch out for, and how to stay compliant while living overseas.
How to Get Out of Student Loan Default (and Why So Many Borrowers Are Facing It in 2025)
Millions face student loan default in 2025. Learn what default means, how to fix it fast, and avoid falling behind again.
What the One Big Beautiful Bill Means for Your Student Loans in 2025
Confused about the new student loan rules under the One Big Beautiful Bill Act? You’re not alone. This comprehensive explainer breaks down how the law changes repayment options, forgiveness eligibility, and future borrowing for millions of borrowers.