For Professional Associations
A Valuable Financial Benefit for Your Members.
Descifra gives your members access to specialized federal student loan analysis that considers financial, tax, career and family circumstances. Your association can help members navigate important financial decisions without developing an internal advisory service. Partnership arrangements may be structured without requiring the association to pay for individual analyses.
Your Student Loans Are Only Part of the Equation.
At Descifra, we go far beyond comparing repayment plans. We use specialized technology and advanced financial planning techniques to evaluate how tax, employment and personal decisions can influence your student loans.
Tax Planning
How your income and tax-related decisions can affect your student loan payments and overall costs.
Retirement Contributions
How certain retirement plan contributions can reduce the income used to calculate your monthly payments.
Career Decisions
How changing jobs or career paths can significantly affect your financial strategy.
Family Circumstances
How marital status, household income and other personal circumstances can change the available options.
What appears to be an independent financial decision can completely change your student loan strategy .
Your association can make this level of specialized analysis available to its members as part of their membership benefits.
A Meaningful Benefit for Your Members’ Financial Lives.
- Membership Value
- Offer a specialized service that adds a tangible benefit to membership.
- Personalized Analysis
- Members receive individual evaluations of their federal student loan circumstances rather than general educational material.
- Better-Informed Financial Decisions
- Help members evaluate repayment alternatives and important long-term financial decisions.
- Easy to Introduce
- Descifra handles the analysis directly without requiring the association to develop specialized internal capabilities.
- Flexible Partnership Structure
- The association may facilitate access without necessarily assuming the cost of individual analyses.
A Comparison Can Reveal a Lot. Our Analysis Goes Further.
Opportunities identified, alternatives compared, a recommended strategy and concrete steps to implement it.
Each strategy is reviewed by a CSLP® professional before it is delivered to the participant.
Sample report
Descifra
Strategy report · Juan del Pueblo
Strategy comparison
How the strategies compare
How the alternatives we evaluated for your loans compare.
Recommended
RAP
- Initial monthly payment
- $213
- Maximum projected monthly payment
- $433
- Projected total payments
- $92,595
- Projected forgiveness
- $165,569
- Estimated tax
- $39,736
- Projected total cost
- $132,332
- When and how it ends
- August 2052IDR forgiveness
IBR 15%
- Initial monthly payment
- $340
- Maximum projected monthly payment
- $370
- Projected total payments
- $89,212
- Projected forgiveness
- $323,097
- Estimated tax
- $77,543
- Projected total cost
- $166,755
- When and how it ends
- August 2047IDR forgiveness
Projected savings vs. IBR 15%
$34,423
- Projected total cost · IBR 15%
- $166,755
- Projected total cost · RAP
- $132,332
Total cost adds projected payments and, when it applies, the estimated tax on forgiveness.
This Is Just One Part of the Analysis.
Descifra evaluates multiple financial variables and scenarios to develop a personalized strategy. This comparison illustrates only a portion of the information considered when analyzing each case.
Making Descifra Available to Your Members Is Simple.
- 1
Establish the Partnership
We agree on the collaboration model and applicable terms.
- 2
Communicate the Benefit
Your organization introduces Descifra to eligible members using agreed communication materials.
- 3
Descifra Handles the Analysis
Each participant works directly with Descifra and receives a personalized analysis.
Your organization does not need to manage participants’ private financial information.
Partnership Options
Preferred Access
Your organization facilitates access to Descifra, and participants purchase their analyses directly. No payment is required from the organization under this arrangement.
Partially Sponsored
The organization covers part of the cost, and the participant covers the remaining amount.
Fully Sponsored
The organization covers the full cost of the analysis for eligible participants.
The terms of each partnership are agreed upon individually.
More Value for Your Membership. Let’s Explore a Partnership.
Tell us about your association and its members, and we’ll explain how a partnership could be structured.
We personally respond to every request from info@descifra.co.