Affiliate Disclosure and Integrity Pledge

Honest Insight and Analysis.

I created this site in February 2013, to help borrowers navigate the Public Service Loan Forgiveness program. As a young government attorney, I struggled to find answers that I desperately needed, and I wanted to share what I found with others.

Many of you had questions about your student loans, and when I could offer some insight, I often posted an article on the subject.

Over the years, a frequent request has been for my thoughts on various student loan lenders and refinancing options. As always, it’s been my pleasure to share my thoughts.

As this site has grown, many lenders have asked to be reviewed and offered me compensation to be included on this site. I’ve declined many offers, but where appropriate, I’ve included lenders on this site that I believe will help my readers.

Today, I receive affiliate commissions from many different lenders. This means I sometimes get paid when you click on links to lenders. As a reader, you deserve to know both the pros and the cons that come with these relationships.

The biggest advantage to these relationships is that I’m able to provide all of the content on this site free of charge. There is no paywall, there are no intrusive ads, and I’m able to cover a wide range of student loan topics. Additionally, I’m occasionally able to negotiate a bonus for my readers so that you get the best deal possible. Because I now operate this site full time, I’m available to respond to more reader questions each day. I never have to charge any money for my help.

The downside is that I have an obvious financial incentive to encourage people to use certain products. On the surface, this might seem like a conflict that makes it difficult to provide honest insight. However, I don’t see it that way.

I’ve been the Student Loan Sherpa for nearly a decade. I put my name and face on this site because I stand behind the words that I write. I’m not out to make a quick buck. I love this job, and I know that the second I stop putting the reader first, I’ll be out of work.

Earning a living helping people with their student loans has been a dream come true. It is a privilege, but it is also a responsibility I take very seriously.

If you have any questions or concerns about the contents of this site, please don’t hesitate to ask.


Michael P. Lux
The Student Loan Sherpa