Problem: Student loan borrowers are inundated with advertisements from refinancing lenders and unscrupulous “debt-relief” companies. Borrowers experience widespread loan servicing failures including application processing delays, inaccurate application denials, improper allocation of payments, and lost or misdirected paperwork. The impact of student debt is wide, and the system is complex. Free online resources, university financial aid offices, and loan servicing companies fail to deliver the personalized guidance borrowers need. Traditional financial advisors are ignorant about the nuances of student loan repayment and forgiveness programs and so may give borrowers bad advice.

Vision: Student loan borrowers need a reliable way of identifying whether financial advisors are knowledgeable about student loans. We are working to build a network of dedicated, competency-tested, licensed, and vetted financial and tax advisors delivering student loan guidance with the duty of care of a fiduciary. The impact of student debt reaches into nearly every aspect of a borrowers finances. We believe that well-qualified financial advisors can improve the financial security of the student loan borrowers they represent, promote fairness in the system, and advocate for borrower-friendly change.

CSLP student loan advising and advocacy programs


Predictably, borrowers seeking professional financial planning services generally have stable incomes and are not the neediest of borrowers. More must be done to help these vulnerable populations. Financial advisors in private practice won’t solve the plight of financially disadvantaged borrowers; however, advisors can be trained to direct needy borrowers to reliable sources of information.

Learning Objectives

We teach advisors and test their knowledge of:

    • Evaluating statutory discharge in every case.
      Identifying undergraduate and graduate loan programs, borrowing limits, and interest rates.
    • Recognizing the significance of loan “type” and loan “status”.
    • Determining when consolidation makes sense and when it doesn’t.
    • Projecting costs under Standard, Extended, and Graduated repayment, and comparing nuances between the various Income-Driven Repayment plans.
    • Helping borrowers track and document progress towards forgiveness and dispute inaccurate record keeping by loan servicers (including scrutinizing the number of approved qualifying payments towards Public Service Loan Forgiveness, agitating for complete payment histories, and demanding that servicers count payments properly).
    • Avoiding traps for the unwary (such as paid-ahead status, PLUS consolidation, and capitalization triggers).
    • Helping borrowers avoid losing important rights (such as by refinancing federal student loans).
    • Assisting borrowers in enforcing those consumer protections that do exist (such as enforcing cosigner release provisions).
    • Helping borrowers understand incorporate student debt into their tax and financial planning in an effort to reduce the long term implications of student debt on their financial futures.

Management Team

Larry Taylor



Larry’s unique blend of experience intersects digital marketing, technology, and psychology. He has successfully led numerous digital marketing initiatives in financial service and healthcare companies. His extensive expertise spans areas including software development, behavioral research in social media.


Chairman & CEO

Since 2010, Jantz has been assisting student loan borrowers and financial advisors to understand the nuances of loan repayment. Over the years, he has consulted with thousands of independent advisory firms and individuals to help solve complex repayment situations.

Heather Jarvis, JD


Director of Instruction, Board Member

Heather Jarvis is an attorney and a nationally recognized expert specializing in student loan law. She has provided award-winning student loan education and consultation for universities, associations and professional advisors and is sought after for her sophisticated knowledge and accessible teaching style.