SONIA LEWIS KNEW she had a problem when she couldn&rsquo;t afford nachos. Forced to turn down a friend&rsquo;s invitation to dinner because her bank account was overdrawn yet again&mdash;something that happened so frequently she called herself the &ldquo;Overdraft Queen&rdquo;&mdash;Lewis realized just how much trouble she was in. Her grandmother, who&rsquo;d been her &ldquo;financial security blanket,&rdquo; had recently died. And her unexpected death forced Lewis to accept reality: Nobody was left to bail her out if she couldn&rsquo;t pay her bills.&ldquo;If you fail with money or if you win with money, it&rsquo;s going to be on you,&rdquo; she remembers thinking.That was in 2013, when Lewis was making $45,000 a year but owed $80,000 on her student loans and another $6,000 in credit card bills. Today, the 31-year-old runs a popular financial coaching business called the Student Loan Doctor that focuses on helping people pay off their student debt, and serves up to 500 clients a month, she says. Her own debt has been whittled down to $20,000.After declining her friend&rsquo;s invitation for nachos that night, Lewis signed up for a budgeting class taught in extra space at a local church. Soon she started selling possessions she didn&rsquo;t need. She went to all the local flea markets and posted purses and dresses on Facebook. Sixty days later, she&rsquo;d cleared out her $6,000 in credit card debt.Next she turned to her student loans, teaching herself about various repayment plans for federal loans and talking through each one with her loan servicer, the private company that manages the repayment process. She&rsquo;d learned enough to know what to ask. But, she recalls thinking, What about all the people who didn&rsquo;t?So she started coaching friends, then friends of friends. After Lewis was featured in a 2018 interview on the Shade Room website, business boomed. The first call with Lewis, or one of her six other coaches, is free, followed by a $35 consultation call. From there, services are a one-time fee of between $250 and $400. They usually work with a client closely for one or two months.First the coach reviews the client&rsquo;s type of student loans and talks through eligible repayment plans, explaining what they all mean. Then comes a review of the client&rsquo;s budget to see where he or she could cut spending or bring in new income to afford these new monthly payments.Lewis is not a student loan or financial aid professional, and she has no formal training in financial planning. But, she says, that doesn&rsquo;t seem to bother her clients.In fact, because of that she may be able to connect with clients in a unique way: &ldquo;We&rsquo;re not making anyone feel bad about where they&rsquo;re at,&rdquo; Lewis says. (One important note: With the Student Loan Doctor, you&rsquo;re paying for the coaching, not to actually enroll in a repayment plan. You don&rsquo;t have to pay to lower your monthly payment or to switch repayment plans on federal loans. You can do that for free by calling your student loan servicer.)

She Went From 'Overdraft Queen' To Professional Debt Coach

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