The solution that I am proposing is a service that one can subscribe to and will provide you with the exact information that you are looking for. This service will be call based and and will fully analyze your income, financial plan, and your time allocation to determine exactly how much you should be paying in order to get the most out of your student loan service. This will prevent these student loan services from taking advantage of the customer and will allow them to be financially stable much sooner than they would be without the service. If we were to add a product as well, this could be information in the form of a book to ensure the consumer has full comprehension of how their plan should work. The subscription would allow the consumer access to personalized calls based on their specific financial situation and payment plan and how they can use the student loan service to their advantage.