Student Loan Strategy Session with Pedro Gomez, CFP®
In this strategy session, you’ll work directly with Pedro Gomez, CFP®—a seasoned financial planner with over a decade of experience guiding clients through complex financial decisions. With a strong foundation in holistic planning and access to powerful tools and data, Pedro helps borrowers turn confusion into clarity and build student loan strategies they can feel confident about.
What to Expect:
This isn’t a one-call quick fix. It’s a personalized process built to deliver clarity and confidence
- Initial Discovery Call
We’ll discuss your current loan setup, your goals (like forgiveness, payment reduction, or long-term cost), and your financial picture. We’ll clarify what’s most important to you—and what’s possible. - Custom Strategy Development
After our first session, you’ll get a follow-up email with a breakdown of suggested directions to consider, customized to your goals, income, tax situation, and loan types. - Interactive Strategy Review
In our second session, we’ll walk through your proposed strategy together using professional-grade financial planning software. We’ll model repayment paths, compare scenarios, and fine-tune your plan based on what works best for you. - Ongoing Support
After your strategy is in place, you’ll have three months of email access to ask questions, get updates, and adjust as life changes.
What We Can Cover:
(Depending on Your Goals)
- Repayment Plan Review – Assess your current plan and explore alternatives like SAVE, IBR, PAYE, and others based on payment size, forgiveness potential, and long-term cost.
- Forgiveness & PSLF Tracking – Make sure your payments and employment history are counting correctly toward forgiveness programs like PSLF.
- Tax-Aware Strategy – Review opportunities to reduce your AGI through things like retirement contributions or filing status, which can lower both your payments and taxes.
- Scenario Modeling – Explore how future changes—income, residency, career shifts—could impact your repayment plan and strategy.
- Policy Impact Insights – Understand how current or proposed changes in law may affect your personal loan situation.
- Goal-Based Planning – Align your student loan strategy with larger goals like homebuying, family planning, or retirement.
This isn’t a one-size-fits-all session—it’s a focused, collaborative effort to build the best plan for you. Whether you’re aiming for forgiveness, lowering monthly costs, or aligning your loans with bigger financial goals, we’ll zero in on what matters most and give you a clear path forward.
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.
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.
As seen On:
Throughout the consultation, I finally felt like somebody was holding my hand through the complex process of dealing with student loans. And Michael’s subsequent answers to my follow-up questions were always helpful and encouraging. I wholeheartedly recommend booking a consultation with Michael for anyone struggling with student loan issues. You won’t regret it.
– Lynn S., San Diego, CA
The consultation fee was money very well spent! Michael is obviously very well informed and experienced in “the field” of student loan repayment. My personal situation is very complicated, and yet I’m certain that the plan he’s helping me to develop will save me many thousands of dollars.
– Tom P., Los Angeles, CA
I cannot say enough about my positive experience with my call with Michael Lux, aka the Student Loan Sherpa. I started out the call in an overwhelmed state and by the time the call was over, I felt like I had a plan and felt much more in control. He is a kind and patient listener and made sure I had all my questions answered before ending the call and even offered to follow-up with me via email. I am so glad I had the opportunity to speak with Michael directly .. it was well worth the financial investment!
– Eileen M., Westfield, NJ.
Michael was exceptionally professional. His active listening skills helped me feel heard and understood in the questions I was asking. We were able to cover all of the important information that pertained to my case and by the end of the call I felt confident in the plan we decided on. Overall, I am very glad and thankful that I made the decision to schedule an appointment. I was so pleased with the outcome; I immediately called a family member to recommend they schedule with Michael as well.
– Gina C., Olathe, KS
Michael Lux
The Student Loan Sherpa
A nationally recognized student loan expert, Michael Lux has provided comprehensive guidance to borrowers on repayment options and strategies since 2013.
His expertise extends to training thousands of attorneys on various subjects, including loan forgiveness programs and bankruptcy discharge policy.
Michael personally handles all student loan consultations.
Why Schedule a Loan Consultation?
There are two main reasons to get help from a student loan expert.
If you are overwhelmed by everything and don’t know where to begin, a consultation can help you make sense of your options and feel like your debt is under control.
If you’ve already gotten things figured out and want expert feedback or to ensure you are not missing any opportunities, a call can help.
Isn’t all of this infromation available for free?
Absolutely. Outside of sharing some personal experience, all of the information provided in a consultation session is publicly available.
The benefit of a consultation is that you have someone who can connect the dots for you. The goal is an hour-long phone call to save days or weeks of research and frustration.
Frequently Asked Questions
No. While I can help you understand student loan rules and strategies, I cannot provide legal advice. Contract rules and debt collection policies can vary from state to state, so I’m cautious not to venture into the realm of legal advice and risk offering inaccurate advice in your state.
All sessions include three months of priority email support. If you have a question, just reply to your confirmation email.
No. In most cases, the most efficient way to apply is to use an online form at studentaid.gov. I can help you determine a strategy and point you toward the necessary resources, but it will be up to you to fill out the forms.
Absolutely. Having your spouse or cosigner on the line is a great way to get everyone on the same page.
“I have read your site for years and always come away having learned something new. Thank you for all you do for those of us who need a Sherpa.”
– Jeff B., 2/5/24
Call Logistics
Typically, I’ll call you at the number you provide when you book, but if you’d like, we can do a video call over FaceTime or Google Meets.
When you schedule your appointment, I’ll send an optional form that can be completed beforehand. This little bit of prep before the call can make things more efficient and ensure nothing gets missed.
If you need to reschedule, please reach out as soon as possible so that we can get another date on the books.
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.