Renewed Wealth Through Facing Student Loans

Hola friends,

Last week, I sat with a client while she opened her student loan account, for the first time in over three years.

She was scared.

Ashamed.

Overwhelmed.

She didn’t know her balance, didn’t remember her servicer, and had no idea what the new rules meant for her.

So we made space. We sat with the emotions.

Then we opened the account together, walked through the numbers, gathered questions, and built a plan for her to call her loan provider with clarity and confidence.

This is what financial therapy looks like:

Not just strategy. Not just support.

But the sacred work of facing financial fear with truth, grace, and a plan.

Here’s the truth about student loans in 2025:

I paid off over $42,000 in student loans myself.

No forgiveness, no handouts, just discipline, planning, and sacrifice.

So I say this with love and experience:

1. Student loans are not free money.

2. They have to be paid back.

And now, things are shifting. FAST.

Here’s what’s new in 2025:

1. Collections are back. After a long pause, the government has resumed garnishing tax refunds and Social Security for borrowers in default.

2. The SAVE plan is stuck in court. That low-payment promise? Uncertain. You need a backup plan.

3. Big changes are on the table. Subsidized loans and Grad PLUS may be gone by 2026, making student debt more expensive and harder to manage.

4. Default rates are rising again. Over half of subprime borrowers are already behind. It’s getting real out here.

But here’s what hasn’t changed:

This is hard but it’s not impossible.

You don’t have to do it alone. But you do have to face it.

If you’ve been ignoring your student loans because they feel too heavy or too confusing, this is your sign. It’s time to open the account. Face the truth. And build a plan that brings peace, not panic.

Let’s make space to do this work together.

Book a Financial Health Audit and let’s get clear on your next steps, one truth at a time.

Book Your Financial Health Audit

You don’t need another year of financial stress.

You need clarity, confidence, and a strategy rooted in who you are and what you value.

Let’s do this together.

With gratitude,
Nashira