descifradeh-SEE-frah · Spanish for “decipher”
ESEN

For Organizations

Bring Specialized Student Loan Analysis to Your Organization.

Descifra works with employers and professional associations to make personalized federal student loan analysis available as an organizational benefit.

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What Type of Organization Do You Represent?

Making Descifra Available to Your Employees or Members Is Simple.

  1. 1

    Establish the Partnership

    We agree on the collaboration model and applicable terms.

  2. 2

    Communicate the Benefit

    Your organization introduces Descifra to eligible employees or members using agreed communication materials.

  3. 3

    Descifra Handles the Analysis

    Each participant works directly with Descifra and receives a personalized analysis.

Your organization does not need to manage participants’ private financial information.

Partnership Options

  • Preferred Access

    Your organization facilitates access to Descifra, and participants purchase their analyses directly. No payment is required from the organization under this arrangement.

  • Partially Sponsored

    The organization covers part of the cost, and the participant covers the remaining amount.

  • Fully Sponsored

    The organization covers the full cost of the analysis for eligible participants.

The terms of each partnership are agreed upon individually.

A Comparison Can Reveal a Lot. Our Analysis Goes Further.

Opportunities identified, alternatives compared, a recommended strategy and concrete steps to implement it.

Each strategy is reviewed by a CSLP® professional before it is delivered to the participant.

Sample report

Descifra

Strategy report · Juan del Pueblo

Strategy comparison

How the strategies compare

How the alternatives we evaluated for your loans compare.

Recommended

RAP

Initial monthly payment
$213
Maximum projected monthly payment
$433
Projected total payments
$92,595
Projected forgiveness
$165,569
Estimated tax
$39,736
Projected total cost
$132,332
When and how it ends
August 2052IDR forgiveness

IBR 15%

Initial monthly payment
$340
Maximum projected monthly payment
$370
Projected total payments
$89,212
Projected forgiveness
$323,097
Estimated tax
$77,543
Projected total cost
$166,755
When and how it ends
August 2047IDR forgiveness

Projected savings vs. IBR 15%

$34,423

Projected total cost · IBR 15%
$166,755
Projected total cost · RAP
$132,332

Total cost adds projected payments and, when it applies, the estimated tax on forgiveness.

This Is Just One Part of the Analysis.

Descifra evaluates multiple financial variables and scenarios to develop a personalized strategy. This comparison illustrates only a portion of the information considered when analyzing each case.

Let’s Talk About Your Organization.

Tell us about your organization and we’ll explain which partnership option may work best.

Request Informationinfo@descifra.co

We personally respond to every request from info@descifra.co.