Student Loan Clarity. Faster Decisions. Lower Stress
PSLF, Parent PLUS, Default recovery, and IDR--decoded into a step-by-step plan you can act on this week.
Book a Free Discovery Call | Get a Custom Plan
Services
Best when you need to Gut-check your path + next 2 steps.
Full file review + IDR/forgiveness mapping, payment estimate ranges, and a written summary in 72 hours.
Cash‑flow, debt, career advice, passive income, and savings strategy aligned to your student‑loan plan.
Not sure which session is right? Start with the free discovery call—we’ll point you to the best next step.
"Trusted by professionals in healthcare, law, public service, tech, and higher education."
About Smart Sage
Hi, it’s Dr. Olivia—your student loan strategist. I turn confusing loan rules into clear, actionable steps so you can protect cash flow and move toward forgiveness—without sacrificing your lifestyle.
At Smart Sage Consulting, LLC, we specialize in empowering student loan borrowers to navigate their debt with confidence and clarity. Our mission is to demystify the complexities of federal student loans, offering personalized strategies that pave the way toward financial freedom.
We begin with free discovery calls, providing expert insights into your unique loan situation. For those seeking a deeper dive, our paid consultations deliver customized repayment plans and forgiveness strategies tailored to your financial goals.
Beyond one-on-one support, we offer a wealth of free resources, including guides and eBooks on financial literacy and student loans. These tools are designed to educate and empower you to make informed decisions about your financial future.
Whether you’re overwhelmed by repayment options or exploring forgiveness programs, Smart Sage Consulting is here to guide you every step of the way. Let us help you transform financial stress into financial success.
Testimonials
D. Carter, Parent (Public School)
“After consolidating Parent PLUS loans and moving to ICR, our monthly payment decreased by $420, and we’re on track for forgiveness in 10 years.”
M. Lewis, Social Worker (County Agency)
“Using Fresh Start, I exited default and enrolled in an IDR plan. Collections stopped, and I’m rebuilding credit while pursuing PSLF.”
A. Jones, RN (Hospital)
“My IDR payment dropped from $612 to $198, and HR verified my nonprofit employment so 18 months of past payments were counted toward PSLF.”
Results vary. Past outcomes don’t guarantee future results. Your situation is unique and will be evaluated individually.