Turn Student Loan Confusion Into Confidence
Navigate your federal student loans with clarity and proven strategy. Smart Sage Consulting guides you through IDR plans, forgiveness, PSLF, and repayment reforms—no guessing, just answers.
Book a Clarity Call
About Smart Sage Consulting
Smart Sage Consulting LLC is a student loan consulting firm dedicated to demystifying the federal student loan system. We offer judgment-free, structured guidance for professionals, public service workers, and high-balance borrowers navigating federal repayment, forgiveness, and recent policy changes.
What sets us apart is our focus on Decision Authority Positioning and Education-First consulting. Every client receives recommendations customized to their loan data, goals, and risk profile. We empower clients with the knowledge to make informed decisions, ensuring long-term confidence and financial control.
Our Core Services
Smart Sage Consulting delivers one-on-one consultations, clear action plans, and practical educational resources. We bring deep expertise in PSLF, IDR, loan consolidation, default rehabilitation, and the latest legislative changes.
Personalized Student Loan Consultations
One-on-one sessions tailored to your loan profile, helping you weigh options confidently, build a strategic plan, and maximize forgiveness opportunities.
Public Service Loan Forgiveness (PSLF) Guidance
Specialist advice and roadmap planning for public service workers navigating PSLF, ensuring all steps and documentation are accurate for maximum benefit.
Income-Driven Repayment (IDR) Expertise
Analysis, explanation, and planning around income-driven repayment, including recent reforms and strategies for long-term cost reduction and forgiveness.
Consolidation & Default Rehabilitation
Guidance on loan consolidation, rehabilitation from default, and protecting your eligibility for future relief programs and forgiveness.
Educational Resources & Frameworks
Ebooks, guides, and checklists empowering borrowers to make confident choices—covering policy changes, repayment planning, and avoiding costly mistakes.
Products & Services
Unlocking Student Loan Forgiveness ebook
Practical guide to PSLF, Borrower Defense & loan forgiveness. Includes templates, step-by-step instructions & strategies to hold servicers accountable. Reclaim your financial power!
Starting at$35
Secure the Bag and Your Peace ebook
A practical guide to building financial security without burnout. Learn how to create smart money systems, reduce stress, protect your peace, and grow wealth in a sustainable, balanced way.
Starting at$17
Our Mission: Calm, Clarity, and Control
Smart Sage Consulting’s mission is to provide borrowers with stress-free, research-driven guidance that transforms loan chaos into actionable clarity. We enable clients to avoid mistakes, maximize forgiveness, and reclaim control over their financial future. Our education-first, human-centered approach demystifies complex systems and empowers confident decisions—without shame or fear.