Get your loans sorted.
Discover a smarter way to understand your student loans with Grad Track.
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1. How much do you actually owe in student loans right now?
2. What kind of loans are they?
3. What's your interest rate and repayment plan?
If your answer is, "I have no idea," don't stress.
You're not alone.
75% of borrowers don't know the answers to these questions either. Over half of college freshmen seriously underestimate their debt, and less than a third know their actual total. At one university, barely half could even guess their first-year borrowing within $5,000. The wildest stat? 13% of students with active loans didn't even realize they had borrowed money.
That's why we created Grad Track.
All your loan info, in one place.
The student loan system is a mess, so we built a stress-free roadmap. Your Grad Track Report pulls all your confusing loan records into one personalized, plain-English summary. Here’s exactly what you get:
Grad Track Includes:
Quick Summary
Your core numbers upfront—total balance, estimated monthly payment, average interest rate, and when your first bill is due
The Full Breakdown
A clear snapshot of who holds your loans, your grace periods, and how much interest is quietly building up right now.
Your Timeline
A simple schedule mapping out when your grace periods end and when payments actually start.
The Cheat Sheet
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The Grad Track Process
Fast, straightforward & Zero Stress
GRAD TRACK PROCESS
Just $99 (split into two easy $49.50 payments), you get a fast, personalized breakdown of your actual debt.
Step 1: Purchase & Complete Your Forms
Right after purchase, you'll receive your service agreement and intake form by email. Complete both within 24 hours. Each takes just a few minutes.
Step 2: We Build Your Report
Our team reviews your answers and loan information, and puts together your personalized Grad Track report.
Step 3: Receive Your Report
Your report arrives by email within 3 business days of receiving both forms, before your second payment.
GRAD TRACK+ PROCESS
For $129 (split into two easy $64.50 payments), you get a fast, personalized breakdown of your actual debt + a personal review call.
Step 1: Purchase & Complete Your Forms
Right after purchase, you'll receive your service agreement and intake form by email. Complete both within 24 hours. Each takes just a few minutes.
Step 2: We Build Your Report
Our team reviews your answers and loan information, and puts together your personalized Grad Track report.
Step 3: Receive Your Report & Booking Link
Your report arrives by email within 3 business days of receiving both forms, before your second payment. It includes a link to book your review call, which should be scheduled within 1 week of receiving your report.
Step 4: Optional Review Call
Use your link to schedule a 15-20 minute one-on-one call, where we walk through your report together and answer your questions live.
Both packages are split into two equal payments, billed 7 days apart.
Complete your forms within 24 hours of purchase, and your report arrives before your second payment.
Get started in minutes
Here for the long haul.
Student loans aren’t a one-time decision. They follow you through school, past graduation, and into your career. That’s why we don’t think of Grad Track as a one-time service. It’s the start of a relationship.
While you're in school.
From your first loan as a freshman to your last semester of grad school, we help you see exactly what you’ve borrowed and what it means for your future. Each new school year brings new decisions, and you’ll have someone who knows your story and can help you borrow with confidence.
When you graduate.
Graduation is exciting, and it’s also when your loans start to get real. Your grace period goes fast. That’s when you’ll move into our Individualized Student Loan Assessment, where we take a close look at every loan you have and build a repayment plan around your income, your goals, and your life after school. Your first payment will be something you planned for, not something that surprises you.
For your student loan journey.
Your loans will change, and so will your career, your income, your family, and the laws around repayment. Through it all, we’ll keep being your advocate, the people who keep track of what’s changing, answer your questions, and speak up for you when it matters. We don’t work for lenders or servicers. We work for you.
Success Story
"The Grad Track deliverable and phone call were really helpful for me because they gave me a better understanding of the opportunities and resources available to help me plan for my future. The information gave me a better idea of the steps I can take to reach my goals both academically and athletically. The phone call made the process feel more personal and gave me the chance to get guidance and ask questions. Overall, the experience helped me feel more confident about my next steps, and I appreciate the time and effort put into helping student-athletes like me succeed beyond sports."
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Student Loan Repayment Help
Already in repayment?
Frequently Asked Question
What is Grad Track?
A plain-language report on every student loan you have: what you owe, your rates, when payments start, and what repayment will look like.
How much is Grad Track?
$99, split into two payments of $49.50. Grad Track+ adds a review call for $30.
Is Grad Track financial advice?
No. Grad Track is educational and shows you the facts so you have clear understanding of your loans. Personalized strategy is part of our Individualized Student Loan Assessment.
Do you cover private loans?
Yes. Include them on the intake form and they'll be in your report.
How long does the process take?
It typically takes us 2-3 business dates after your intake form and service agreement are complete.
How is Grad Track different from our Individualized Student Loan Assessment (ISLA)?
Grad Track gives clarity. The ISLA give clarity + strategy and hope.
Grad Track is a streamlined, entry program designed for borrowers who are still in school or about to enter repayment who need quick clarity. By filling out a simple 5-minute questionnaire, you receive a custom, self-directed report featuring your loan snapshot within a week.
Our signature Individualized Student Loan Assessment (ISLA) is a comprehensive, deep-dive consultation process. ISLA includes 1-on-1 strategic call, a two-part comprehensive assessment with full strategy that is tailored to you and your goals. We review the entire findings and strategy with you. You can self-implement our strategy or choose to work with us further until your loans are at zero.
Who is the ideal Grad Track client?
Grad Track is built for recent college or graduate school grads, current students preparing for graduation, and young professionals in their grace period or early repayment years. If you want to bypass generic campus counseling, figure out your exact numbers and avoid expensive borrowing mistakes, without price point of a full 1-on-1 ISLA strategy process, Grad Track is made for you.
Can I start with Grad Track and then switch to an Individualized Student Loan Assessment if I need more support?
Yes, absolutely! Grad Track is designed to be a natural starting point. If your situation feels more complex and you would like more guidance and strategy, you can seamlessly upgrade to a full ISLA at any time. We'll carry your loan data over so you don't have to start from scratch. And we'll discount your Grad Track investment from your ISLA fee.
NewBeginnings is the only nationwide student loan advocacy organization focused exclusively on creating individualized repayment strategies tailored to each borrower’s unique loan profile and goals.
Contact
By Appointment Only
1312 North Monroe Street Suite 109
Spokane, WA, 99202
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