Let’s go back in time…

…where you’ll find the complete story of the daring exploits of

the one and only

RepayReady Man!

Life right after school was tough.

I had superhero expectations for myself,I had superhero expectations for myself,

but found the real world less than super.

I was a pretty normal college student.

I had some fun, learned a ton, made some friends,

I was a pretty normal college student.

and graduated with about $30,000 in student loan debt, but I thought I had a plan to pay the loans.

LIKE 41%OF OTHER COLLEGE

GRADUATES

I WASUNDEREMPLOYED

Accenture 2013 Survey of College Graduates

LIKE

45%

OF COLLEGEGRADUATES

UNDER AGE 25

I MOVED BACK HOMEWITH MY PARENTS

Pew Poll of young adults

LIKE

50%

OF COLLEGEGRADUATES

I WAS SURPRISED ATHOW MUCH DEBTHAD ACCRUED

WHILE I STUDIED

After saying goodbye to roommates and saying hello to mom’s curfew and dad’s basement,

I started getting loads of unsolicited financial advice.

I was told to…Just skip out on

payment!!

Postpone

payment!

Speak with an “inexpensive

loan consolidation

expert”

I started getting nervous thinking about how I’d have to go

120 MONTHS

making payments.

I mean, how many things have you done every month for 10

years?

So, I made an important phone call.

I spoke with the people at my school’s financial aid office. They advised me to…

Use the websites and

tools available.

These websites could help you take control of your

financial situation.

I was skeptical, but I checked out the link they sent me.

www. studentaid.ed.gov

I watched some videos.

I entered my student loan information and…

I took control of

MYAttitude

Income

Student loans

I morphed into . . .

REPAYREADY MANsaving students from debt destruction

These online tools - calculators, videos, and the Repayment Estimator – became my weapons

against delinquency.

Now, I save student loan

borrowers from crushing student

loan payments, fill them with repayment

confidence, and wear great elastic

pants.

I make it look easy – because

with these online resources – it is!

Knowledge is power!

And knowing my servicer and their contact information, well, it didn’t make me stronger than a locomotive or faster than a speeding bullet, but it

EMPOWERED me.

Soon I was the one offering advice, but my advice was good and I’ll share it with you . . .

Go to www.studentaid.ed.gov log-in and see all your federal loans and get your servicer name and contact information.

With your servicer behind you and all your loans listed in front of

you, use the Repayment Estimator at

http://1.usa.gov/19S8Yr1.

When I first used the Estimator, it was like a

light being turned on in a dark room. I was able to see just how much more affordable my payment would be by filing for

Income Based Repayment.

You may find that Standard Repayment is the most cost effective in the long run or that Graduated Payments can help you get affordable payments now, but still pay off your loans in 10 years.

Each student borrower in distress is different, but all can be saved by seeing the light.

After conferring with your sidekick and using the Estimator, you can complete paperwork to change your repayment plan at https://studentloans.gov.

The forms aren’t easy, but it’s worth it to complete them.

Next, make sure you can make your new monthly payment by creating a budget for each month. There are many ways to make a budget, but an easy template is available through Microsoft. Download it at http://bit.ly/VQfybB

Congratulations! You’ve created a repayment plan, but we’re not done yet.

Set-up automated payments. Not only will it save you stamps, it’ll save you .25% on your interest rates. Contact your servicer.

Next, brace yourself for a sense of pride and accomplishment to wash over you because you’ve taken the steps to stare down your student loans. With this challenge aside, proceed boldly with the rest of your financial life.

Fighting default is tiring and now that you’ve set yourself up for success grab some popcorn and relax with some great

videos available at http://bit.ly/1u0aKf8

When questions come up, I go to the web.

See a confusing term…

When questions come up, I go to the web.

Want to know about Public Service Loan Forgiveness…

When questions come up, I go to the web.

Loan consolidation interest you?

My world is brighter now. The weight of debt has been lifted off my shoulders and I am helping people all over the country take charge of their student loans.

Living in fear? That’s not for me.

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The End

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