How It Works

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The Varela Financial Difference

Just a real, human-to-human process that works!

Financial planning is like running hurdles on a track. The first hurdle most graduate professionals run into is their student loan debt. We help our clients get over that hurdle using a proven 3-step process.

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Traditional vs. Non-Traditional Repayment

Simplicity is the ultimate sophistication

There are over 15 different repayment options to choose from. We simplify that down to 2 repayment strategies – Traditional Repayment vs. Non-Traditional Repayment. Understanding the difference between these strategies will help you make a more sound decision on how to handle your student loan repayment.

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You’ve worked hard to get to where you are, and now is the time to plan your long-term goals.

SCHEDULE A FREE 15 MINS CONSULTATION

For most Doctors of Physical Therapy, this is exactly what happens to them after they graduate from their Doctorate programs.

We believe you deserve better than this. This isn’t fair to you. You’ve worked hard to get to where you are, and now is the time to plan your long-term goals.

Do not put your entire life on hold and pay thousands of dollars into your loans every single month for 5+ years to pay them off.

Instead, let’s minimize your monthly payments so you can invest your money into other areas of your adult life.

It's time to eliminate any worries you have about your student loan debt so you can focus on your future, your life, and the things that mean the most to you.

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The Varela Financial Difference

Our proven 3-step consultation process will ensure that you’re on the right track with your student loans and your personal finances!

Step 1

Approach

15-30 minute phone call to discuss your student loan case and financial goals. We’ll also explain more about who we are, what we do, and how we help clients. At the end of this call, if it makes sense to move further in the process, we’ll schedule a consultation.
Step 1
Step 2

Student Loan Repayment Consultation

During this meeting we’ll take the time to understand your student loan breakdown, what repayment plans you qualify for, how these plans work, and what your individual case looks like mapped out within each option. At the end of the consultation, we’ll make recommendations base on which plans best meet your financial goals. If we recommend Income-Driven Repayment, we’ll also project out your loan forgiveness tax bill and help you understand the best ways to save for it.
Step 2
Step 3

Solution Meeting

This meeting is focused on building a tax-efficient savings strategy. Whether we’re saving for a loan forgiveness tax bill and/or a retirement income plan, we have the solutions to your case. Generally speaking, we diversify a portfolio using a combination of market-based and non-market-based assets to hedge risk, taxes, penalties, and fees.
Step 3
Step 1

Approach

15-30 minute phone call to discuss your student loan case and financial goals. We’ll also explain more about who we are, what we do, and how we help clients. At the end of this call, if it makes sense to move further in the process, we’ll schedule a consultation.
Step 1
Step 2

Student Loan Repayment Consultation

During this meeting we’ll take the time to understand your student loan breakdown, what repayment plans you qualify for, how these plans work, and what your individual case looks like mapped out within each option. At the end of the consultation, we’ll make recommendations base on which plans best meet your financial goals. If we recommend Income-Driven Repayment, we’ll also project out your loan forgiveness tax bill and help you understand the best ways to save for it.
Step 2
Step 3

Solution Meeting

This meeting is focused on building a tax-efficient savings strategy. Whether we’re saving for a loan forgiveness tax bill and/or a retirement income plan, we have the solutions to your case. Generally speaking, we diversify a portfolio using a combination of market-based and non-market-based assets to hedge (protect/avoid) risk, taxes, penalties, and fees.
Step 3

Let a member of Varela Financial solve your student loan problem today!

Schedule A Free Call