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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from SavvyFi, Financial service, 231 Public Square, Franklin, TN.

Book a free consultation to see how SavvyFi can help you tackle student loans: https://meetings.hubspot.com/savvyfiwelcome/clarity-call

Bring this to your team: https://meetings.hubspot.com/savvyfiwelcome/savvyfi-for-employers

10/08/2026

She'd been working on PSLF alone for two years, and still wasn't sure she was doing it right.

That's not unusual. Public Service Loan Forgiveness has a paperwork problem: one misfiled form and you lose years without knowing it.

An educator we'll call Jess S. came to SavvyFi in "total confusion" about where she stood. In two weeks, her coach helped her resolve recently defaulted loans, certify her past employment, and line up a repayment plan. Her timeline to forgiveness moved up by about 92 months.

Her words: "I'm 98 payments in and about 2 years from total loan forgiveness. That's huge."

Not sure where you stand? Let's talk. Link in bio.

09/11/2026

Before the call, here's what our coach knew: a client with $664,205 in student loans, all in default since 2017. On a standard repayment plan, that's a monthly payment in the thousands. A credit score he expected to be wrecked.

Then the call started.

She told him she'd been avoiding this for years. Grad school didn't pan out, but the loans stuck around without the degree to show for them. All she wanted was a payment she could actually live with, somewhere around $200 to $300 a month.

Here's the twist nobody expected: her credit was fine. The loans had been in default so long, they'd already dropped off her credit report. "I just financed a new truck," our coach told her. "How is this possible?"

So they got to work. Instead of a standard plan running $5,000 a month for 25 years (that's $1.5 million total), consolidating her loans and moving to an income-driven plan brought her payment down to $144 a month. Over the next 10 years, she'll pay around $30,000 out of pocket, and $658,000 gets forgiven.

"If I could get that discharged, oh my goodness," she said. "That would be amazing."

This is why we do what we do. Student loan debt looks unmanageable right up until someone sits down and actually works the numbers.

09/04/2026

Are you on AutoPay for your student loan payments? Don't miss this opportunity to save thousands. But here's the part that doesn't fit in a flyer or on a graphic... this isn't the right move for everyone.

There's an upcoming deadline (Sept 30) to incentivize student loan borrowers: enroll in AutoPay and lock in 1% off your student loan interest rate through July 2028.

If you or your team is working toward loan forgiveness, like PSLF, the name of the game is pay as little as you're required to, nothing extra. AutoPay pulls your full monthly payment automatically. So if your employer helps cover part of what you owe, or splits the payment with you, autopay could end up drafting more than your share.

But if you're not sure forgiveness is in your future, or you know you won't make it to the required years, this discount is worth grabbing before the deadline.

Not sure which camp you're in or what your team should do? That's exactly what we're here to help you figure out. Let's chat.

08/13/2026

She went on to say... "This service stops you from procrastinating & saves you HOURS on the phone with studentaid.gov."

Let's talk and see how SavvyFi can help. Schedule a clarity call (link in bio).

07/24/2026

THIS is why we do what we do.

A client got on a call with us today, bracing for bad news about his student loans.

Instead, he found out he's about 40 payments BEYOND having his loans forgiven - for free - through Public Service Loan Forgiveness (PSLF).

He's spent 15+ years in nonprofit and public service: teaching music in public schools, at a university, and now at a performing arts school - plus years playing and directing music at churches on the side. A lifelong nonprofit servant who had no idea any of it might count.

Turns out he already has 160 qualifying payments on the books. He only needs 120.

His words: "I definitely thought it was gonna be real bad... I didn't even know if it was going to count, honestly."

It counts. All of it.

Now he's on track to submit his employer certifications and could see his loans forgiven by the holidays - with a shot at a refund on any payments made beyond the 120 he needs.

This is the whole point of PSLF: teachers, musicians, pastors, nonprofit workers - the people who chose purpose over paycheck - get to walk away debt-free.

If you've spent years in public service or nonprofit work and have no idea where you stand on loan forgiveness, let's find out together. You might be a lot closer to free than you think.

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07/17/2026

Student loans are stressful. Talking about them shouldn't have to be.

We hear this a lot from clients after their first call with a SavvyFi loan coach:

⭐ "I was so apprehensive and anxious about my loan situation. My coach was very thorough and supportive."

⭐ "My SavvyFi loan coach made the process understandable and the documentation accessible."

⭐ "Wonderful attention to detail and so respectful during these difficult conversations."

⭐ "My coach answered all questions thoroughly and provided step-by-step instruction on exactly what I need to do."

No judgment. No jargon. Just clarity - and a real person walking you through it.

That's what we're here for. Book a call if you or your team needs help.

07/01/2026

SAVE forbearance felt like a pause button. It was actually a trapdoor. Miss the 90-day window and borrowers are auto-enrolled in a new plan - often with a payment they didn't choose and can't easily undo.

We've seen what happens next: missed payments, credit damage, and for some, a slide toward default. If this is news to your employees (or to you), here's what to know before that clock runs out:

Q: I’m in SAVE forbearance. When do I have to act?
A: Within 90 days of your servicer’s notification. Check your servicer portal and email now - the clock starts when you’re notified, not on a single shared date.

Q: What happens if I miss the 90-day window?
A: Your servicer auto-enrolls you in the Standard or Tiered Standard Repayment Plan. Your monthly payment will almost certainly go up.

Q: Did interest accrue while I was in SAVE forbearance?
A: Yes. Interest resumed accruing on August 1, 2025. Every month since has added to your balance.

Q: Did my months in SAVE forbearance count toward PSLF?
A: No. SAVE forbearance months do not count toward PSLF or IDR forgiveness.

Q: What new plans are launching?
A: The Repayment Assistance Plan (RAP) and the Tiered Standard Plan, both effective July 1, 2026.

Q: Will my autopay amount change automatically?
A: Yes, if you stay on autopay and your servicer moves you to a new plan, the draft amount adjusts to the new plan’s payment. (Note: the 1% autopay rate reduction has a separate September 30, 2026 enrollment deadline.)

Q: I’m pursuing PSLF. Which plan should I pick?
A: It depends on your income, family size, and remaining qualifying payment count. This is exactly the case where a coach can run the numbers across all plans before you commit. RAP, IBR, PAYE, and ICR have different PSLF interactions.

Q: My employer contributes to my loans. Does that change my plan choice?
A: Yes. Employer contributions affect which plan minimizes your out-of-pocket cost and can create paid-ahead status that complicates PSLF qualifying months. Coordinate the plan choice with the contribution structure.

Q: Where can I get help making this decision?
A: SavvyFi’s coaching team is built for exactly this scenario. Book a session and see how we can help.

06/23/2026

Student loan relief isn’t just about numbers. It’s about removing uncertainty.

Last week, we worked with a borrower who wasn’t sure where she stood with PSLF or what steps to take next. Together, we submitted her employer certifications, mapped her progress, and transitioned her into a repayment plan she could actually afford.

Her monthly payment dropped by $89 (~$50/month), and she’s now on track to reach forgiveness nearly 20 months sooner.

But her takeaway says it better than any metric:
“[The session] helped me understand the student loan process a lot better and made me feel comfortable moving forward.”

When people understand their options, they make progress. And when they make progress, everything else starts to feel possible.

Do you or your team need help understanding your options? Let's talk.

06/15/2026

The government can take your entire tax refund if your student loans are in default. No court order. No cap. That includes your EITC and Child Tax Credit.

The administrations hinted that the current collections pause ends around July 2026.

If you're in default - or worried you're headed there - now is the time to act. Full breakdown at https://savvyfi.co/2026/06/student-loan-default-tax-refund-seizure/

06/04/2026

What makes default so disruptive is how far it reaches beyond the loan itself:
• long‑term credit damage
• higher borrowing costs
• potential wage garnishment
• withheld tax refunds
and being locked out of repayment and forgiveness options designed to help.

Over time, that uncertainty creates a constant mental load that makes financial peace feel out of reach.

Default isn’t permanent, but clarity and early support dramatically change the outcome, which is why access to education and guidance matters for both individuals and the employers who support them.

Here to help - reach out if you need support.

Address

231 Public Square
Franklin, TN
37064

Website

http://savvyfi.co/, https://meetings.hubspot.com/savvyfiwelcome/clarity-call, https://savvyfi.co/2026/04/get-out-of-stud

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