Get clear on your student loan plan.

Sign up to work with one of YFP Planning's CERTIFIED FINANCIAL PLANNERS™ for a virtual 1:1 student loan analysis to evaluate all your options and decide on the best repayment plan for your situation.

Get started today!

Our Student Loan Experts

Kelly Reddy-Heffner


Kelly Reddy-Heffner, CFP®, CSLP®, CDFA® is a Lead Planner at YFP Planning.  In addition to being a CERTIFIED FINANCIAL PLANNER™, Kelly is also a CSLP® (Certified Student Loan Professional). The CSLP® is a training program and specialty designation for financial professionals that focuses on advising borrowers on repaying student loans as part of their comprehensive financial plan. Kelly has completed this training and continuing education and is certified in the advisement of student loan debt repayment through the CSLP® Board of Standards. 

Kelly enjoys time with her husband and two sons, riding her bike, running, and keeping after her pup ‘Fred Rogers’.  Kelly loves to cheer on her favorite team, plan travel, and loves great food but ironically doesn't enjoy cooking at all. She volunteers in her community as part of the Chambersburg Rotary. She believes that there are no quick fixes to financial confidence and no guarantees on investment returns, but there is value in seeking trusted advice to get where you want to go. Kelly’s mission is to help clients go confidently toward their happy place.

Robert Lopez


Robert Lopez, CFP®, is a Lead Planner at YFP Planning. Along with his team members Kimberly Bolton, CFP® and Savannah Nichols, he helps YFP Planning clients on their financial journey to live their best lives.

To go along with his CFP® designation, Robert has a B.S. in Finance and an M.S. in Family Financial Planning. Prior to his career in financial planning, Robert worked as an Explosive Ordnance Disposal Technician in the United States Air Force. Although no longer on active duty, he still participates as a member of the Air Force Reserves.

When not working, Robert enjoys being outdoors, playing co-ed volleyball and kickball, catching a game of ultimate frisbee, or hiking with his wife Shirley, young son Spencer, and their dogs, Meeko and Willow


What is the scope of the student loan analysis?

A 1:1 meeting with a YFP Planning CERTIFIED FINANCIAL PLANNER™ to:

  • Inventory your student loans (federal and private)
  • Evaluate eligible repayment options (including loan forgiveness, income-driven repayment, private refinancing, etc.)
  • Determine the best repayment strategy for your personal situation

What is the cost?


Who is this service for?

This service is intended for pharmacists that resonate with one or more of the following:

  • Overwhelmed with student loans and unsure what path to take once the administrative forbearance expires from the CARES Act
  • Confused by all the repayment plans that exist
  • Unsure if your strategy will save you the most money
  • Anxious about how to handle your loans during residency or fellowship
  • Worried about doing everything right for the Public Service Loan Forgiveness program

What will this service help me do?

  • Analyze all of the payoff strategies available to you
  • Confidently choose a plan that will save you the most money and align with your goals
  • Optimize strategies to maximize the benefits of forgiveness programs

Can't I just do this on my own?

While some people may find that determining a repayment strategy is straightforward and easy to navigate, others may have a difficult time confidently choosing a plan that aligns best with their situation and goals. Pharmacists, on average, graduate with student loans that creep up over $179,000! Aside from a home purchase, this is likely the largest amount of debt that you'll have to pay back. We want to help you avoid making mistakes along the way that can cost you tens of thousands of dollars (or more!) or tag on additional years of repayment. 

Is a student loan analysis for everyone?

If you've paid off your student loans, congratulations! While we'd love to talk to you, obviously this service isn't for you. If you have already refinanced you federal loans to all private loans this may not be the right service for you either. Feel free to email us at if you have questions about your private loans.

Ready to get started with your student loan analysis?