As a K–12 school principal for over 20 years and owner of Positive Focus Group, I've had the opportunity to work with many educators and families who feel overwhelmed by student loans and Parent PLUS loans. That's why I highly recommend New Beginnings. Carey and the team take a true counseling and educational approach "not" a sales approach. They take the time to listen, understand each person's situation, explain available options, and develop a realistic, manageable plan that helps people move forward with confidence. Their guidance is compassionate, honest, and focused on what is best for each individual and family. Whether you're a recent graduate entering the workforce, a veteran educator navigating repayment options, or a parent managing Parent PLUS loans while helping your child through college, New Beginnings provides outstanding support every step of the way. They simplify what can feel like a very complex process and help people see a path forward with hope and practical solutions. For many classified and certificated school employees, student loan repayment can be one of the biggest financial stressors they face. New Beginnings helps reduce that stress by educating borrowers, identifying the best options available, and empowering them to make informed decisions for their future. If you're looking for knowledgeable professionals who genuinely care about people and are committed to helping them succeed financially, I highly recommend New Beginnings.

I had given up hope that I would ever pay down my college debt in my lifetime. I had accepted that the price for higher education was to never be able to buy a home, and be shackled to my college debt. I was tipped off by a family member that Carey could help…I was skeptical. She did it! I was shocked, and overcome with joy, when she gave me the good news that all of my remaining debt was gone. It changed my life. I am now finally, actively looking for my first home after 20+ years of never-ending monthly payments with percentage accruals that I could never get ahead of. I’m eternally grateful for Carey and the whole New Beginnings team.

I couldn’t begin to recommend Carey, or the services she provides through NewBeginnings enough. Dealing with student loan collections, it often feels like there is no where to turn. Carey helped provide a path out for me and my family. She had my back when it seemed like there were no options. I don’t know where I would be had I not found her and enlisted her help. If you are in debt for student loans and feel like there’s no where to turn you owe it to yourself to talk to NewBeginnings today.

When I first heard about NewBeginnings Financial Literacy and Student Loan Advocacy, I was skeptical. With over $100,000 in student loan debt, I truly believed there was no way out. I felt stuck, overwhelmed, and honestly, hopeless. But I decided to reach out—just to see if they could offer any guidance. To my absolute amazement, they did help—far beyond anything I expected. I had no idea how many years of service I had that actually qualified me for loan forgiveness. They walked me through the entire process with care and expertise. I was in complete awe when I received confirmation that all of my loans had been forgiven. It was life-changing. If you're feeling like there's no help for your situation, I urge you—reach out to NewBeginnings. Even if you think there's nothing they can do, trust me... there just might be. They gave me a fresh start, and they can do the same for you.

NewBeginnings’ has allowed me to have ownership of my PSLF journey and stay informed every step of the way, but with the support and expertise of the NewBeginnings staff. If it were not for Carey & Riley's support prior to my latest income recertification, my next year of payments would have been over $700 per month. Instead, it's less than $225. In one year alone, that is nearly $6000 redirected toward my home, family, and future - all because of the knowledge they bring to the table that I would have missed if doing this alone.

As a single mom, navigating the financial side of sending my son to college was incredibly overwhelming for me, until we found NewBeginnings. Carey broke everything down into clear, manageable steps and helped my son and I understand things like FASFA, the different student loan options and budgeting in a way that finally made sense. Thanks to the resources and guidance we found at NewBeginnings, he's in his first year of college, confident and financially prepared!

NewBeginnings has been absolutely incredible to work with. From the very beginning, Carey's approach has been highly personalized, thoughtful, and genuinely client-centered. She has gone far above and beyond, meeting with me numerous times, including nights and weekends, to truly understand my unique situation, my concerns/worries, and my long-term goals. I am working toward Public Service Loan Forgiveness (PSLF) related to my master’s degrees, and Carey has been a true lifesaver in helping me navigate what is an extremely complex, stressful, and constantly changing student loan landscape. With ongoing changes involving the Department of Education, PSLF, the SAVE program, and other student loan policies, her knowledge and expertise have been invaluable. She has provided clarity where there was confusion, answered countless questions, and significantly reduced the anxiety that comes with managing student loans. What truly sets Carey apart is her long-term commitment to her clients. She stays with you for the entire journey, I will be with her for several years ahead, proactively keeping you informed of changes to laws and programs, helping navigate studentloan.gov and loan servicers, and advocating on your behalf when challenges arise. Carey is also helping my wife with her student loans, and our family trusts her completely. Carey genuinely cares about her clients and takes personal ownership in their success. She is incredibly knowledgeable, professional, responsive, and reliable, with outstanding follow-through. This process can feel overwhelming, but Carey’s guidance has brought our family peace of mind. I genuinely look forward to the day she contacts me to tell me our loans have been forgiven, and I cannot recommend her highly enough.

As a Financial Aid professional, it is reassuring to know companies like NewBeginnings are providing accurate and detailed information about student loans. The College Outreach workshop I attended provided essential student loan information for families and students to consider as they prepare for the college admissions process. Families will gain a solid foundation for approaching student loans to pay for college and understanding how to repay them after graduation. The overview of student debt data underscores the importance of open and honest conversations about college finances between parents and students when applying to various types of colleges.

As a psychologist and art therapist working in non-profit agencies, I had been applying for PSLF for years on my own with no success. The Individualized Student Loan Assessment was fast and easy. NewBeginnings determined that I qualified for forgiveness and we discussed a very reasonable payment plan. They made contact with all my previous employers for documentation and took care of all the details. New Beginnings was attentive to supporting me as a woman in this process and highly skilled in the nuances of the loan process. I got frequent updates and ultimately their work discharged $189,000 of my loan. I highly recommend the professional and successful NewBeginnings team.

My wife and I had the pleasure of working with Carey and her team at Newbeginnings LLC, and I couldn’t be more impressed with their services. As a borrower navigating the complexities of the Public Service Loan Forgiveness (PSLF) program, I was feeling overwhelmed and unsure about how to proceed. That’s when I reached out to Carey at Newbeginnings LLC and they truly made the process easy to understand and stress-free. From the very first interaction, their team provided excellent customer service. Carey took the time to listen to my specific situation and explained everything in a clear and concise manner, making sure I understood each step of the PSLF process. She always answered my calls and made it feel like I was her only customer. What stood out to me the most was their dedication to helping me succeed. They helped me get all my paperwork in order, reviewed my eligibility, and even provided guidance on how to stay on track with the necessary payments. Their attention to detail gave me confidence that I was in good hands, and I could rely on them for accurate information and timely assistance. I truly felt like they cared about my financial future and were invested in helping me achieve my desired goals. The level of professionalism and personal attention I received was outstanding, and I highly recommend Newbeginning LLC to anyone looking for support with the PSLF program. If you're navigating the complicated world of student loans and need assistance with PSLF, look no further. Newbeginnings LLC is a game-changer when it comes to exceptional customer service and expert guidance!