Access Wealth advisor Leo Chubinishvili, CFP® was recently featured in NJMoneyHelp, offering guidance on what families should consider before taking on student loan debt.

The article explores the growing complexity of funding one’s education, from understanding the many different loan types to evaluating how borrowing decisions today can affect long-term financial flexibility. With rising education costs, it’s easy to focus on immediate needs without fully considering the future impact.

Leo’s perspective emphasizes the importance of planning ahead. Factors like total borrowing, repayment structure, and how loans fit into your broader financial picture can all influence outcomes well beyond graduation. Making informed decisions early can help reduce stress and create more options down the road.

Read the full article on NJMoneyHelp: What Do We Need to Know Before Taking Student Loans?

What This Means for You

If you’re helping a child plan for college, it may be worth taking a step back to look at the full picture.

Learn more about Leo, how he helps clients with college savings planning, and how a financial plan can help you plan for your future.