SavvyFi

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

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.

05/20/2026

“Girl… go to Kevin. He walked me through everything.”

P., a social worker in New York, laughs when she says it now - but that wasn’t where her story started.

When she first reached out, she thought she still owed nearly $100,000 in student loans. She had been making payments. Staying on top of it. Doing what she believed she was supposed to do.

What she didn’t know was that her loans had already been forgiven.

Two years earlier.

No notification. No moment of closure. Just… silence.

“I didn’t even know what was going on,” she told us. “They stopped sending stuff… and you don’t really know.”

So like a lot of people, she tried to figure it out herself. She called her servicer. Stayed on hold for hours.

“No lie… I was on the phone until five o’clock… and then they disconnected me.”

Another time, she listened to hold music for eight hours.

At some point, confusion turns into resignation. Not because people don’t care - but because the system makes it so hard to stay engaged.

And then, in one conversation, everything changed.

Clarity replaced uncertainty. Relief replaced years of quiet stress.

“I really appreciate you,” she said. “I’ve been telling all my co-workers… like, girl, go to Kevin.”

What she should have received years ago - a simple, clear answer - became a moment she wanted to hold onto. “I want to keep it,” she said, talking about her forgiveness letter. “I never thought this was gonna happen.”

Now Kevin, her SavvyFi Student Loan coach and the head of our Customer Success team, is helping her with the next step: pursuing a refund for the payments she made during those two years she didn’t know she was already free.

This isn’t just about one borrower.

It’s about how many people are doing everything right… and still don’t have the information they need to make sense of their situation.

If you or your team needs support, let's talk.

05/04/2026

This could be you next month 👇

In April, borrowers we worked with saw on average:
✨ $135,941 in projected loan forgiveness
💸 $330 less per month
⏱️ 36 months faster to forgiveness

These aren’t outliers.
They’re what happens when you finally understand your options.

Most people aren’t doing anything wrong...
they just don’t have a clear plan.

One conversation can change that.

👉 Sign up for a free consultation - link in bio
(And if your employer partners with us, you may qualify for discounted support)

Your numbers could be next.

04/30/2026

If your student loans feel like a blurry, stressful question mark - you’re not alone.

A lot of people don’t know they’re in default. Not because they didn’t care… but because life, COVID, and constant change made it easy to lose track.

Now collections may restart - and that fear is real.

Kevin Porath explains what this means and what to watch for.

Before panic turns into a paycheck surprise, get clarity and support.

SavvyFi helps borrowers face this with confidence instead of fear.

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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