Your loan strategy is in place. But the savings it creates, and the tax obligation it eventually triggers, deserves a full financial plan. That's exactly what Holistic Finance was built to provide.
WHAT YOU'VE UNLOCKED
Significant savings freed up each month through your new plan
OVER THE LOAN TERM
Total savings across the full
course of your repayment
WHAT COMES NEXT
Your remaining balance forgiven
at the end of your term
Loan forgiveness is a financial win, but it comes with a tax consequence
that you may want to plan for well in advance.
When your remaining loan balance is forgiven at the end of your repayment term, the IRS treats the forgiven amount as ordinary taxable income in that calendar year.
For many borrowers, this means a sudden, large tax bill arriving the same year they expected financial relief. Without preparation, this can be financially burdensome.
The good news: with the right strategy started early, you can build the reserves to meet that obligation without disrupting the rest of your financial life.
TYPICAL TAX EXPOSURE
ON FORGIVEN DEBT
Federal income tax Up to 37%
State income tax Varies by state
Combined exposure 40%
As the sister company of Student Loan Tutor, Holistic Finance was built specifically with clients like you in mind. We know your loan situation deeply, and we know the savings your repayment plan creates deserve to be working for you from day one.
MEET WITH AN EVALUATION SPECIALIST
A no-pressure conversation to understand where you stand financially. Together we assess whether you're ready for full advisory services or would benefit from additional resources first. Either way, you leave with a clear next step.
COMPLIMENTARY
GET MATCHED OR GET READY
If you're ready for an advisor, you move directly into a full planning consultation. If there are a few things to address first, we point you to the right resources and reconnect when the time is right. No pressure and no dead ends.
PERSONALIZED PATH
FULL CONSULTATION WITH AN ADVISOR
With guidance from a CFP® professional, our team helps you evaluate your complete financial picture, plan for potential forgiveness-related tax implications, and develop a long-term financial strategy.
COMPREHENSIVE PLANNING
Holistic Finance covers your finances in a single, coordinated strategy. A student loan plan is only as strong as the financial foundation it sits on.
We calculate your projected forgiveness tax liability and build a year-by-year savings strategy so you're fully prepared when the time comes.
Your monthly savings are put to work immediately through a professionally managed portfolio tailored to your goals, risk tolerance, and timeline.
A clear roadmap to help achieve financial independence, planned to sustain your lifestyle into your 90s, integrating your loan timeline with long-term retirement goals.
Strategic coordination across income, repayment, and tax planning with a goal of reducing your lifetime tax burden well beyond the forgiveness event.
Year-by-year cash flow modeling guides how you save, spend, and invest, keeping the right balance between liquidity and long-term growth.
Buying a home, changing careers, starting a business: every significant financial decision is made with full context and coordinated professional guidance.
Life insurance, disability coverage, and long-term care planning designed to help protect the financial plan you've built against the unexpected.
Structuring your estate to transfer assets efficiently and according to your wishes, coordinated with your overall financial strategy.
We screen investments to reflect what matters to you, whether that means environmental responsibility, social equity, governance standards, or all three.
Values-based investing is not about sacrificing performance. It's about making more conscious decisions so that the companies you grow are ones you believe in.
Capital flows to where it's directed. Thoughtful investors have always shaped the economy. Your financial plan can be part of building something better.
We created this firm with a deep commitment to serving borrowers who are doing the right thing for their financial future. That means meaningful discounts compared to traditional advisory firms, a team that already understands your loan situation, and a planning experience designed specifically around your path from forgiveness to financial independence.
Founded Specifically
with Student Loan Tutor clients in mind
This page is an internal resource for Student Loan Tutor advisors and clients during the referral conversation. Your full consultation with a Holistic Finance advisor is included as part of your Student Loan Tutor experience.
Advisory & insurance services are offered through Holistic Finance LLC, an SEC Investment Advisor.
Being registered as an investment adviser does not imply a certain level of skill or training.
Holistic Finance LLC (dba Holistic Finance) is a Registered Investment Adviser. Registration does not imply a certain level of skill or training. Advisory services offered only in jurisdictions where registered or exempt. Information on this site is for educational purposes only and is not investment advice. Past performance is not indicative of future results. View our Legal Disclaimer and Privacy Policy.
Disclaimer: Advisory and insurance services are offered through Holistic Finance LLC (dba Holistic Finance) an SEC Investment Advisor. All content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Nor is it intended to be a projection of current or future performance or indication or future results. Opinions expressed herein are solely those of Holistic Finance and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by Holistic Finance, an Investment Advisor in the State of South Dakota. Being registered as an investment adviser does not imply a certain level of skill or training. The information contained herein should in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the States where Holistic Finance is legally permitted.
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