Heather Jarvis, JD

Heather Jarvis, JD
Heather is a graduate of the Duke University School of Law and widely recognized as an expert source of student loan information. Heather has trained thousands of students and professionals and is sought after for her sophisticated legal knowledge and accessible teaching style.

Recent Posts

How to help Clients When In Default or Collections

How to help Clients When In Default or Collections

Financial advisors working with student loan borrowers will eventually encounter a borrower facing default and collections. When a borrower is in default, government has extraordinary power to...
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Pay As You Earn's Wacky Date Eligibility Requirement

Pay As You Earn's Wacky Date Eligibility Requirement

The "Pay As You Earn" program is a pain in the neck of financial advisors across the United States. Pay As You Earn (PAYE) is probably the federal student loan repayment plan that I get the most...
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Changing your IBR Payment Plan

Changing your IBR Payment Plan

Consumers with student loans should be aware of the potential impacts of changing payment plans. Consult with a knowledgable financial advisor to understand how the change will affect
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How to Decide Whether to Advise a Borrower to Change Repayment Plans

How to Decide Whether to Advise a Borrower to Change Repayment Plans

When clients wish to change their repayment plan, consider these steps to inform and educate the borrower about the affect on their finances.  For federal student loans, answer this question by...
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Who can I trust with my student loans?

Who can I trust with my student loans?

A consumer-guide for finding and vetting financial professionals. Ideally, student loan borrowers will develop and follow a personalized financial strategy for building a strong financial foundation...
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Student Loan Borrowing Trends

Student Loan Borrowing Trends

The College Board is a mission-driven not-for-profit organization known for its top-notch education research and advocacy. Students, educators, schools, and advocates like me rely on the College...
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Joint Consolidation Loan Separation Act: Borrower Relief?

Joint Consolidation Loan Separation Act: Borrower Relief?

Today’s student loan borrowers hold a variety of different student loans, and each loan type presents distinct challenges. For example, one of the most problematic federal student loans
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Three Myths About Student Loan Forgiveness

Three Myths About Student Loan Forgiveness

Student loan forgiveness discussions are hot topics in the news and from popup businesses that pitch "forgiveness solutions" through TV,  Direct Mail, and Internet marketing. Here are some common...
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Senator Elizabeth Warren’s Student Loan Forgiveness Proposal

Senator Elizabeth Warren’s Student Loan Forgiveness Proposal

2020 Democratic presidential candidate Senator Elizabeth Warren has proposed a sweeping student loan forgiveness program that includes a range of cancelation measures. Among those are
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