We are Experts

Many give advice about how to pick a college but few give advice on how to finance college

Novel Approach

College buyers are driven by the priorities of colleges. We shift the focus to choose the college that optimize your budget and your focus.

Already in debt?

We are experts on payment optimization. We can help you get the lowest payment and the shortest repayment period.

What We Do

Why us?

Strategic Planning

Making the first step towards affordable college is hard. Most college advisers don't want to talk about college costs. Enter Student Loan 411 LLC, experienced college financial coaching professionals. By providing clients with the right tools and knowledge, Student Loan 411 LLC has helped clients ensure that their college choice is affordable, maximizes their potential, paving the way towards both personal and professional success.

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Coaching Services

From personal to professional growth, Student Loan 411 LLC wants to help you overcome your struggles in order to create a successful future you’ve always dreamed of. Answer a few questions and start benefiting today.

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Public Speaking

Ce is a speaking dynamo. She presented to the Founding Moms on one of the most dry and scary subjects. She was magical". Jill Salzberg, Founder, Founding Moms. Financing college is a dry and technical subject, but it can be presented in an interesting way. Hire us, to inform your constituents about innovative ways to think of college financing.

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Our Successes

Recent Successes

Debt Consultation Before Marriage

"After just one call with Ce, we feel like our financial futures just became that much clearer. Having the information Ce shared with us, we can start our married lives with that much more financial freedom and this will most definitely help us when we go to buy our first home together. " -Eric D-

PreCollege Consultation

"I met Ce as a senior in highschool who was considering what college to attend. When I finally narrowed it down I went to Ce for a financial consultation concerning loans and the outline of my tuition. To say the least, Ce was an amazing help. She guided my parents and I in making my loans less daunting and giving the confidence that I had made a wise financial choice along with academic. I am very grateful for Ce and the honest mentoring she offered. Thank You!"

Debt Management

"If you are worried and stressed about repaying your loans, get in touch with Student Loan 411 IMMEDIATELY! For the first time, I am hopeful about my financial future because someone, Ms. Ce Cole Dillion, helped me instead of taking advantage of me as so many before have done. Knowledgeable, honest, and encouraging... you can't go wrong with Student Loan 411!"


News And Updates

Recent Blog Posts

No Longer Eligible for PSLF?

If you sign up for Public Service Loan Forgiveness (PSLF), it takes 10 years of loan payments to earn tax-free loan forgiveness. For some public service workers that period is long enough that some people will change jobs, and/or employer categories. What does that mean? To be eligible for PSLF, you must satisfy the 3 Q test. The three Q’s are: 1. You must make 120 qualified payments; 2. While in a qualified plan; and 3 While working for a qualified employer. If you change from a qualified employer (federal, state or local government, 501(c)(3) or state chartered not for profit, the payments made while working for this type of employer. If you switch to any other kind of employer, you will fail one prong of the 3 Q test. Failing one prong means your loans no longer qualify for public service loan forgiveness.


There are three basic options if you no longer qualify for tax-free loan forgiveness.

1. You can stay on your income-driven payment plan and extend for a longer period. The extension will be 20 (or maybe 25) years. At the end of that period, you will earn loan forgiveness, but the forgiveness earned is taxable.

2. You can choose a different repayment period outside of an income-driven repayment plan. You will not earn any loan forgiveness, and will probably be put in a 30 years repayment plan.

3. You can refinance to private student loans or use another loan product (for instance you can take out a second mortgage) to pay off your loans. This is the riskiest option. Private loans are different from federal student loans. Federal student loans are guaranteed only by your income. If you default the government’s option (absent bad faith) is to garnish your wages and intercept any government payments. Private loans are based upon your creditworthiness. That means you are pledging all of your other assets except your retirement accounts for repayment. You can be sued, and if you lose, all of your assets are attachable. And you will probably have a co-signer who will be treated more like a co-borrower. That means whatever happens to you happens to them as well. Also while the other loan product is probably eligible for bankruptcy, these loans will also be subject to a “clawback” in the bankruptcy court, which means that the creditor who paid off the student loan will be made whole, and the borrower will most likely have their student loans restored.

If you are in this situation and need advice, Student Loan 411 LLC can assist.

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