Quick tips to start digging your way out...right now!

  • Organize all of your debt
  • Do you qualify for a Loan Forgiveness Program? Find out!
  • Educate yourself about the variable repayment options available to determine which, if any, are the best fit for you:
    • Pay As You Earn (PAYE)
    • Income Based Repayment (IBR)
    • Income Contingent Repayment (ICR)
“But wait, what if I defer my loan payments…?” 
To Defer or Not Defer… that is the Question! The decision you make could cost you hundreds of thousands of dollars.
Have a question, or want to learn more about your options?
Guardian does not offer student loans or any counseling to attain or pay down student loans.
While you can't predict the unexpected, you can prepare. We're here to help you.
Foster Klima and Guardian were chosen exclusively by the University of Minnesota to provide you with disability insurance to protect your financial future. 
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Foster Klima & Company, Inc is an Agency of The Guardian Life Insurance Company of America®  (Guardian), New York, NY.  Securities products and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA,SIPC.  OSJ:   PAS is a wholly-owned subsidiary of Guardian.  Foster Klima & Company, Inc  is not an affiliate or subsidiary of PAS or Guardian.  10900 Wayzata Blvd, Minnetonka, MN 55305, ph# 612.746.2200.

This material is intended for general use. By providing this content The Guardian Life Insurance Company of America, Park Avenue Securities LLC, affiliates and/or subsidiaries, and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.

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