About Us

Our History

Miller Student Loan Consulting, LLC is Jan Miller’s independent consulting company – and it began June of 2000. Jan started his consulting work as a part-time hobby, by helping his family and friends with their student debt woes. Soon enough, his family and friends – and even his chiropractor – began to recognize (and recommend) him as the “go-to guy” for dramatically improving every and any student debt situation. As his local community expressed increasing demand for his help, Jan realized that the quality of assistance he was providing was not only outstanding – it was also nowhere else to be found in the student loan industry! Before he knew it, student debt consulting became his niche, and “Miller Student Loan Consulting” was born. 

Jan loves his work, and cares about his clients. He is deeply committed to helping borrowers make the BEST of their student debt repayment experience, by showing them how to chart out their repayment strategy, in a way that is sensitive to their specific budgetary needs, and their upcoming life plans. He is also passionate about educating universities and organizations, to increase the awareness of just how much help can be provided for borrowers, through education about student debt repayment.

Our Team

With over 20 years of experience, we’re confident we can help you manage your student loan debt. Get in touch with an expert today.

Jan Miller

Partner | Consultant

Jan Miller is a nationally renowned student loan consultant and one of the few true experts in the student loan industry. He is the founder of Miller Student Loan Consulting, LLC, a private consulting firm, through which he serves borrowers nationwide.

Unlike any other student loan support service available, Miller provides customized Student Loan Financial Plans that chart out the quickest and most affordable way for borrowers to repay their student loan debt, in a way that is tailored to their budget and life. In addition to helping his clients manage their student debt, Miller works as an adviser to Employee Assistance Programs, Non-Profit Debt Counseling Programs, financial planning groups, mortgage lenders, and accounting firms across the US.

Miller boasts 25 years combined of experience in the financial industry and the student loan industry, including employment with Nelnet, Fedloan, Citibank, Wells Fargo, Discover Financial, and Morgan Stanley. He utilizes his wide range of experience in student loans, investment advising, banking operations, credit cards, and securities trading to provide a well-rounded perspective on the student loan industry, and how it affects each borrower’s financial circumstances.

Miller’s unique skillset allows him to address every borrower’s entire student loan portfolio – both private and federal loans – with a thorough understanding of the unique policies, regulations, administrative processes, and financial implications that apply to every type of student debt.

Veronica Gomez

Partner | Consultant

Part business manager and part student loan consultant, Veronica is the master multi-tasker at Miller Student Loan Consulting!

With a diverse background in business administration, writing and classical music, Veronica brings a great deal of creativity, organization and clarity to the team.

Her role is very versatile, working with everything from the daily operations of the business, to updating the website and establishing new collaborations with financial planners, alumnae associations and employee assistance networks. She also provides student loan guidance for many of MSLC’s long-term members, via phone and email.

Veronica has  a knack for simplifying complicated ideas into easy-to-understand language, and enjoys “translating” student loan jargon into plain, everyday English.

Whether you need help untangling your income-driven renewal or just have a question about how consolidation will impact your PSLF payments, Veronica will be glad to share her expertise. She is happy to contribute her skills and enthusiasm to Miller Student Loan Consulting!

A Holistic Approach

Our approach to repayment planning goes far above & beyond anything else you’ll find in the student loan industry. 

Your personalized debt repayment plan considers:

  • Your private loans
  • Your federal loans
  • Your budget
  • Your life circumstances
  • Your credit score & financial health
  • Your short & long-term income projections

When Jan crafts your Student Loan Business Plan™ , it’s the BEST possible path you can take to pay back all your student loan debt.

Because it has such a thorough strategy that covers every corner, Jan calls it “holistic repayment planning”. 

Additionally, Jan offers extended support membership programs, centered on generating cooperative, friendly and long-lasting relationships with his clients.

Often times, I receive phone calls from borrowers who feel they “should” know more about their student loan repayment planning, but don’t. 

I like to remind these folks that: student loans are complicated. 

There are federal loans, private loans, lines of credit and Perkins loans. Plus, there are different lenders, servicers, providers, interest rates, rules, regulations and administrative processes, etc. 

I don’t only get calls for help from borrowers and their parents, I also receive calls from financial planners, lawyers, economics specialists and consulting firms. 

Student loan information is complex, and rarely explained in easy to understand, layman’s language. 

Through Miller Student Loan Consulting, I get to share my insider experience of the student loan industry, and the financial services industry, in plain, everyday language. 

Even if you’ve never worked with a consultant before, I encourage you to give me a call and book a 30-minute consultation. We’ll have a friendly chat about your loans, your budgetary needs and what possibilities you can explore in your repayment planning.

Frequently Asked Questions

I receive many, many emails with this question. And my answer is always the same: No debt relief agency is truly recommendable, in my opinion. These agencies all offer the same services, as though they were “unique” programs that could only be obtained through their agency. Namely: lower payments, a year of forbearance (i.e. $0.00 monthly for 12 months), consolidation for federal student loans, student loan forgiveness programs, etc. 

In truth, any company that wants to charge you to consolidate your loan, or enroll in repayment assistance programs like IBR or Public Student Loan Forgiveness, is not recommendable, or ethical, in my opinion. Consolidation, as well as all the other government repayment assistance programs, are available for you, free of charge, at studentloans.gov. 

Debt relief agencies re-sell government repayment assistance programs as though they were the ones offering the programs. But in reality, all they’re doing is inputting your info on studentloans.gov (the only place you could ever consolidate your loans and/or enroll in government repayment assistance programs). Most borrowers don’t know that these programs are 100% free, and debt relief agencies have taken full advantage of this. Unfortunately, there are countless borrowers who fall prey to their false claims, every day. No matter how pushy, aggressive or convincing the debt relief salesperson you spoke to is – and even if they are trying to convince you that signing up for repayment assistance programs is “too difficult” to do alone – rest assured, consolidation and repayment assistance programs like IBR are simple to obtain, and completely free, over at studentloans.gov. I hope you don’t fall for any debt relief’s claims, no matter how “different” or special they allege to be. Why pay for government repayment assistance programs, if you needed financial breathing room in the first place!


Exactly. I am not a debt relief agency, and neither is my private consulting company, Miller Student Loan Consulting, LLC.  I’m a student loan consultant, i.e. a student loan expert, or student loan advisor, that specializes in the both federal and private student loans.

I help borrowers customize their repayment strategies, so they can arrange affordable payments, save on interest and simplify their repayment process.

With my guidance and support, debt repayment is transformed from a headache into a positive investment that student loan borrowers can afford, are in control of and feeling good about. It’s very rewarding work.

Debt relief agencies offer consolidation and/or income-driven repayment assistance programs as one-size-fits-all, quick-fix solutions to EVERYONE’S student loan debt woes. And they can easily wreck havoc on a borrower’s financial health with their cookie-cutter solutions.

In sharp contrast, I work to benefit each borrower’s financial health, by providing careful, personalized repayment guidance that benefits a borrower’s financial health and unique life circumstances.

Big difference! I’ve worked for 16+ years in the student loan industry, and the financial services industry, combined. This background has given me a unique skills set, where I’m not only familiar with all the regulations, administrative processes and nuances of all types of student loans, but I also have a through understanding of personal finances.

I believe that understanding both student loans and personal finance is essential to producing a sound repayment strategy, one that can be woven seamlessly into any borrower’s budget and life.

It’s a plan of action that includes a step-by-step approach of how you ought to go about repaying your student loan debt.

It also includes educational information about different aspects of your loans, your credit and keeping your financial landscape in excellent health.

Your Student Loan Business Plan will show you the best way to pay back your loans, (including how to safely lower your payments and the most interest) and you’ll learn quite a bit about your student loans. The plan empowers you to feel much better about your student debt, because you’ll understand the way this unique type of debt works. 

Lastly, your strategy will differ from standard repayment options offered to you by your lenders and servicers, and, as a result, will always save you money in comparison to paying the way the lenders and servicers want you to.

Yes, of course.  This is why I offer “memberships,” since your Business Plan often requires time to carry out, and many borrowers experience shifts in the way they want to make their payments over the long run.

For example, we may target a higher interest rate loan first, which will cause the loan to be paid off more quickly. Once that happens, then your payment allocations will change. Or, you may purchase a house, and a car, during the time you are in student debt repayment, thereby changing the amount of income you have available to allocate towards your repayment.

These life events can produce a shift in your financial landscape – hence, requiring some tweaks to your Student Loan Business Plan.

Regardless, I will be here to help you understand and implement these adjustments, as they happen along the way.

Again, your Business Plan is not set in stone — it is based your your situation at the time it is created. So, as life events happen, incomes change, personal debt increases or decrease (credit cards, car loans…etc.) and your personal needs change, we can revise the Business Plan again to accommodate them. Hence why I offer memberships that renew annually, or can be purchased as a “lifetime” option.

I offer family memberships too, since couples, siblings and families often seek my help with their repayment, all at once!

Student loan consolidation is being pushed by debt relief agencies and many student loan lenders as a quick, one-size-fits-all solution to everyone’s student loan worries.

While consolidation is a great option, due to its ability to combine all your payments into one, it’s not the only option you have for repayment assistance… and it’s not the best choice for everyone!

In fact, while consolidation can produce good benefits for the right candidate, it can wreck financial havoc for the wrong one.

Don’t fall for the “quick fix” gimmick that debt relief agencies are pushing – consolidation is not the only option you have for alleviating your student debt challenges!

Ready to tackle your student loan debt, and experience financial freedom?