Count Down to the Last Payment.
Student loan planning for Rochester doctors, nurses, dentists and vets. Flat fee, paid after your plan is done.
Big Balances, Long Shifts
Most of our clients owe more than a house. We meet at 6:30 in the morning, on video after nights, or at the office downtown. Tap any photo.
Start With the Free Help. Then Decide.
Help is available free at StudentAid.gov and from your loan servicer. Here is what you can do there, and what we add if you want it.
Free at StudentAid.gov
- See every federal loan you have and who services it
- Apply for an income driven plan
- Certify your employer and track your PSLF count
- Use the loan simulator to compare plans
What We Add
- A written plan for both of you if you are married
- Checks for months that should have counted and did not
- A plan for private loans and refinancing questions
- A reminder calendar for every yearly recertify date
What Clients Say
Hodan found 14 months from residency that were never counted. She showed me how to ask for them myself.
Dr. Priya N. Rochester
I thought I had to refinance. She walked me through why that would have ended my PSLF. Huge.
Aaron M. Byron
Video call at 7 in the morning after a night shift. Fee after the plan, like she said.
Leah S. Stewartville
Sample reviews written for this demo. Your site shows your real Google reviews, word for word.
Where We Meet
- Rochester
- Byron
- Stewartville
- Kasson
- Pine Island
- Oronoco
- Chatfield
- Eyota
- Owatonna
- Winona
- Video anywhere
The Office
112 4th St SW, Suite 3
Rochester, MN 55902
A short walk through the skyway from downtown
Weekdays 6:30 in the morning to 8 at night
hodan@zumbroloan.example
Good Questions
Can I do this myself for free?
Yes. StudentAid.gov lets you apply for repayment plans, track your PSLF count and certify your employer at no cost. Your loan servicer must help you for free too. We are for people with big balances or messy histories who want a second set of eyes and a written plan.
Are you part of the Department of Education?
No. We are a private planning office in Rochester and are not affiliated with the U.S. Department of Education or any loan servicer. We never ask for your StudentAid.gov password. You log in yourself while we look at the screen together.
How do you charge?
One flat fee, quoted before we start, and paid only after your written plan is done and in your hands. No upfront fees, no monthly fees, and no share of any amount forgiven. The first call is free.
Does residency count toward PSLF?
Often, yes. Most residencies are at nonprofit hospitals, and payments made while you work there full time can count. The trick is being on a plan that qualifies, even when the payment is very small. Forbearance months usually do not count.
Is forgiveness taxed?
PSLF forgiveness is not taxed by the IRS. Forgiveness at the end of an income driven plan may count as taxable income, based on the rules in place today. Ask a tax preparer before you plan around it, and we will show you both cases.
Bring Your Count. Leave With a Plan.
Ask for a call back and Hodan rings you at the time you pick, early morning or evening. The first call is free.