Footnote References...

The included links are a sampling of relevant employee benefits industry trade journal articles and studies related to: financial wellness, student loan relief, credit wellness, and millennials.


  • Study: Student Loan Data and Demographics
  • Study: CFPB Financial Wellness at Work
  • Study: Financial Wellness 
  • Study: Millennial Benefits Trends 
  • Study: Student Debt 
  • Study: Financial Education 
  • Study: Identity Theft Breach

  • Article: Financial Wellness (study available to members) 
  • Article: Student Loan Repayment Benefit 
  • Article: Benefit Communication Preferences 
  • Article: Credit Wellness 
  • Article: Federal Loan Servicers – “You’re on your own” 

The Following are references to the quotes and statistics included throughout the website which can be credited to the applicable source listed.


  • 64% of younger workers indicated they are stressed about their finances 
  • 46% spend 3 or more hours per week dealing with personal finances at work 
  • 63% are unable to handle an unexpected medical bill of $1,000 
  • 67% of student loan holders are age 39 or younger (29.5 million) 
  • 3rd most important benefit ranking of student loan debt relief behind health insurance and 401(k) match 
  • 86% of millennials would stay with an employer > 5 years if student loan relief benefit was offered 


  • For an employer with a workforce of professionals whose average age is under 50, just under 30% of your employees are likely to hold student loan debt. 
  • 70% of American workers report that financial stress is their most common form of stress 
  • 89% of Americans have incorrect information on their credit report, lowering their credit scores. 
  • 63% of individuals are unable to handle an unexpected medical bill of $1,000 
  • 700 million identity records were breached in 2016 alone. 
  • 44 million Americans are saddled with an average of $37,000 of student loan debt and 29.5 million are under age 39. 
  • Savings average $343 per month and 79% reduction in payment 
  • 70% of customers qualified for potential debt forgiveness averaging $31,000 
  • $1.3 trillion of debt can be attributed to student loans and 25% of individuals are either delinquent or in default.
  • Monthly payment reductions of up to 40% with average savings of $15,270
  • 71% have indicated a preference to speak to someone on the phone to help make informed benefit decisions

  • In 2016, only 14% of employers had a budget approved for any financial wellness benefits. 


  • loans to save an average of: $343 per month

  • PwC
  • PwC
  • NYFed
  • American Student Association 
  • American Student Association 

  • NYFed and USBLS
  • CFPB 
  • FTC
  • Gemalto
  • NYFed
  • Riverwalk
  • Riverwalk
  • NYFed
  • LendKey 
  • MetLife


  • Riverwalk

Customer needs are always changing. How do brands stay relevant?

About StuLo®

StuLo is an employee benefit and association-member benefit program focused on: financial wellness, student loan debt relief, and credit repair services. The benefit program takes a wholistic approach to providing a financial wellness benefit for all employees and members—not just a benefit to help student loan holders only. The aggregation of financial related benefits include: general financial coaching and online tools, concierge services to help with federal student loan forgiveness and repayment assistance plans, private student loan refinancing marketplace, concierge services to help with credit repair, and identity theft protection. As an alternative to an employer-funded student loan repayment assistance benefit, StuLo provides significantly more benefit value at little to no cost to the employer or association.


Student Markets Group, Inc.

4835 E. Cactus Rd., #240

Scottsdale, AZ 85254

Tel | 602-888-8144 Clients

Tel | 844-609-5937 Member


The vendor companies presented as part of the StuLo benefit offering are contracted to provide their services to individual StuLo members as independently owned and operated entities. The vendor companies are neither affiliated with, nor are they responsible for the services provided by Student Markets Group, Inc. or any other vendor company, in any way. Each independent vendor company represents and warrants only the services specific to their individual company’s offering as provided in the terms and conditions of their member services agreement.

StuLo and its vendor partner companies are private companies that are not a branch of or affiliated with the Department of Education nor is it endorsed by any Federal, State, or Local government agency. Similar to filing a tax return, individuals can file a student loan consolidation application directly with the Department of Education, without professional assistance, and without charge.

Copyright 2019 Student Markets Group, Inc. All rights reserved.