High Benefit Value. Low Employer Cost.

Student loan debt relief as an employee benefit is new...for everyone

Why StuLo?

In creating the StuLo® package of financial wellness benefits, we analyzed the current market solutions and found many opportunistic companies from outside of our industry who are marketing their programs through the employee benefits channel.

Most of the current solutions are either technology platform companies or banking/financial institutions who are singularly focused on an employer-funded Student Loan Repayment Assistance Benefit.

We saw an opportunity to bring an employee-benefits perspective into the product development process to create an alternative solution. StuLo provides a better option for employers, at little to no cost, that will make a meaningful difference in employees' lives.

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We believe that StuLo is a better option. It provides an alternative solution for student loan debt relief with higher benefit value and lower costs.

Created by career benefits people.
Distributed through benefits advisors.
Designed for HR/benefits professionals.

Comparison of Employer Cost and Benefit Value

StuLo Comparison Highlights

Voluntary Benefit Option

Student Loan 
Repayment Assistance 
Technology Benefit

Employer Funded Option

Employer: Total Lifetime Benefit Cost

$ 0

$ 0

$ 6,460 + PEPM

$ 6,460 + PEPM

Employee: Total Lifetime Benefit Value (Consolidation)

$ 110,636

$ 110,636

$ 4,800

$ 4,800

Employee: Total Lifetime Benefit Value (Refinancing)

$ 15,270

$ 15,270

$ 4,800

$ 4,800

Non-Student Loan Financial Benefits Included

$ 15,270

$ 4,800

Disclaimer: The data reflected in this comparative analysis is based on average customer data for individuals that have completed a federal loan consolidation process or have been funded a refinancing loan through our respective service partners. The data reflects the results of average savings and potential forgiveness under the federally regulated income driven repayment plans and/or private loan refinancing at the time of the application approval. For federal loan consolidation and forgiveness, other factors may cause the savings to increase or decrease in future years for the individuals, such as changes in: income, filing status, number of dependents, and loan status. This comparative analysis is for illustrative purposes only and while it is not a guarantee of future savings results, it is a representation of actual individual results as of May 2017.

The Benefit Value of StuLo for Employers

  • Voluntary option means no budget approval required
  • Significantly greater benefit value than a repayment assistance plan 
  • Not a singular-focused student loan solution - employee choice 
  • Access to 275+ refinance lenders for broader credit acceptance
  • Not subject to employer payroll tax expenses
  • Employee benefit amount is not devalued as taxable income
  • Wholistic solution of non-student loan financial benefits for all employees 
  • Low-cost employer options also available for more employee coverage
  • No payroll administration or HRIS integration


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

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 consolidation enrollment, private student loan refinancing marketplace, concierge services to help with credit repair, accident insurance, identity theft security, and other financial related insurance benefits and non-insurance services. 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.

Accident Insurance is underwritten by FEDERAL INSURANCE COMPANY, a Chubb company. This information is a brief description of the important features of this insurance plan. It is not an insurance contract. Coverage may not be available in all states or certain terms may be different where required by state law. Chubb NA is the U.S.-based operating division of the Chubb Group of Companies, headed by Chubb Ltd. (NYSE:CB) Insurance products and services are provided by Chubb insurance underwriting companies and not by the parent company itself.

Copyright 2018 Student Markets Group, Inc. All rights reserved.