July 1, 2026 Deadline: SAVE eliminated. Parent PLUS borrowers permanently lose IDR access. Get a free consultation now →
Stop Watching Your Loan Balance
Never Move.
My Loan Shift Plan helps professionals with federal student loan debt reduce their monthly payments — and redirects those savings into tax-advantaged retirement accounts that grow for your future.
$200–$600
Typical monthly savings for qualified borrowers*
0% Floor
Your retirement savings are protected from market losses
100% Free
Free consultation — no fees, no obligation, ever
*Estimated range based on typical federal income-driven repayment program outcomes. Individual results vary.
Federal Student Loan Rules Just Changed.
Are You Prepared?
The One Big Beautiful Bill Act makes the most significant changes to federal student loan repayment in a decade. Millions of borrowers have a hard deadline of July 1, 2026 to act — after that date, some options are gone permanently.
SAVE Is Being Eliminated
If you do nothing, your servicer automatically moves you to Standard Repayment — often the highest possible monthly payment.
The SAVE plan is gone. Borrowers currently enrolled must switch to RAP or IBR before July 1 or risk being placed on the most expensive repayment option by default. There is no grace period for indecision.
You must act before July 1
Permanent Loss of Income-Driven Repayment
Parent PLUS borrowers who do not consolidate before July 1 are permanently locked out of income-driven repayment. The door closes and does not reopen.
This is the most time-sensitive change in the bill. Once the July 1 cutoff passes, Parent PLUS borrowers lose access to every income-driven repayment option — forever. Consolidation before the deadline preserves eligibility.
No grace period — deadline is absolute
PAYE and ICR Are Phasing Out
Both plans are being eliminated. Staying without evaluating your options likely costs you money you don't need to spend.
PAYE and ICR borrowers can remain through July 2028, but the new Repayment Assistance Plan (RAP) may offer a significantly lower payment based on your income. A quick review now could save hundreds per month over the next two years.
Review now — switching early is often the right call
The deadline is July 1, 2026. A free 20-minute consultation puts you in front of your options before the window closes.
Nathan reviews your specific loan type, balance, and income — and tells you exactly what to do (and what it costs you if you wait).
Find Out If You Need to Act Before July 1 →Free consultation. No obligation. No sales pressure.
The Process
How My Loan Shift Plan Works
Three steps to go from overwhelmed borrower to confident wealth builder.
01
Qualify
Schedule a free consultation. We review your federal student loan balance, income, and goals. If you have $15,000 or more in federal student loans, you likely qualify for relief options most borrowers never hear about.
02
Reduce Your Payments
We connect you with a trusted third-party loan servicer who navigates the federal programs designed to lower your monthly payment — sometimes dramatically. You keep more of your paycheck every month.
03
Build Wealth
That monthly savings gets redirected into a tax-advantaged retirement account — an IUL or Fixed Indexed Annuity — that grows protected from market downturns. Your debt becomes the foundation of your financial future.
Who We Serve
This Was Built for You If...
My Loan Shift Plan is designed specifically for borrowers who have been making payments for years and feel like they have nothing to show for it.
The Overextended Professional
You earned your degree, landed a good job, and still feel financially behind. Your loan payment is one of your biggest monthly expenses and your balance barely moves. You deserve a better path.
The High-Earning Borrower
Doctors, lawyers, and business professionals often carry the heaviest loan burdens. You make good money but federal programs designed for your situation go unused — because nobody told you about them.
The Future-Focused Parent
You want to build generational wealth but your student loans are draining the savings you could be investing. My Loan Shift Plan turns that monthly drain into a monthly contribution to your retirement.
You must have $15,000 or more in federal student loan debt to qualify.
Private loans are not eligible. Federal Direct, FFEL, and Perkins loans typically qualify.
Check My EligibilityWhy My Loan Shift Plan
What You Gain
Most financial advisors handle debt or retirement — rarely both. My Loan Shift Plan connects them into one powerful strategy.
Reduced Monthly Payments
Federal income-driven repayment programs can dramatically lower what you owe each month — freeing up hundreds of dollars in cash flow.
Market-Protected Growth
IUL and Fixed Indexed Annuities offer upside participation in market growth with downside protection — your retirement savings never go backward.
Tax-Advantaged Accounts
The retirement vehicles we use grow tax-deferred — or even tax-free — so more of your money stays in your pocket, not the government's.
Expert Third-Party Partners
You are connected to vetted loan servicers and licensed retirement planners — specialists in their field handling the complex work on your behalf.
Integrated Strategy
Debt relief and wealth building in one coordinated plan — not two separate conversations. Your financial life treated as a whole, not in silos.
Long-Term Financial Security
The goal is not just relief today — it is generational stability. Products with guarantees that support every stage of your financial and working life.
About
Built by Someone Who Understands the Pressure of Student Debt
My Loan Shift Plan was founded by Nathan Cone with one mission: to help people who did everything right — earned their degree, entered their profession — and still find themselves financially constrained by the very education that was supposed to set them free.
Nathan saw firsthand how federal loan programs that could dramatically reduce monthly payments went largely unknown and unused. He also saw how the savings from those programs, when redirected correctly, could become the foundation of a real retirement strategy.
That is why My Loan Shift Plan does not just address your debt. It addresses your future. Every client Nathan works with receives a coordinated approach — less stress today, more security tomorrow.
Schedule a Free ConsultationNathan's Mission
“I help 1,000 people in the next 90 days find a path out of student loan stress — and I help them use that relief to build something lasting. Debt does not have to be the end of the story. For most of the people I work with, it becomes the beginning.”
Nathan N. Cone
Founder, My Loan Shift Plan
Common Questions
Frequently Asked Questions
Straight answers to the questions borrowers ask most.
Get Started
Find Out If You Qualify — At No Cost
Your free consultation takes about 20 minutes. We review your loan situation, walk you through your options, and show you exactly what a lower payment — combined with a retirement strategy — could look like for you. No pressure, no obligation.
Zero cost, zero commitment
The consultation is free. You decide what to do with the information.
Federal programs only
Every option we present is a legitimate federal government program.
Personal, one-on-one attention
You speak directly with Nathan — not a call center or automated system.