Graduating from college today is very different from when your clients got their diplomas. This is especially true when it comes to student loan debt.

In 1984, according to some estimates, only half of graduates had debt from college loans, averaging about $2,000. Now, two-thirds of recent bachelor’s degree recipients have outstanding student loans, with an average debt of about $27,000, according to a Pew Research Center report.

Read: How to talk to Gen Y clients

“Back in 1984, I was a fairly recent college grad. I had a $10,000 student loan and payments were $63.50 per month,” says financial planner Judy McNary in Broomfield, Colorado. Rent on her apartment was $600.

“So that loan payment was about 10% of the cost of our housing. Fast forward to 2014, and I have met many recent graduates whose loan payments are anywhere from $900 to $2,000 per month — easily matching or exceeding their housing costs.”

Here are some articles to help your clients plan for their kids’ educations.

Client collapses trust to fund daughter’s education

Be deft with debt

Unique tax challenges

Gen Y turn to parents for advice

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