Thrive Repayment Benefit & Student Loan Advisors
Thrive offers two distinct programs. One helps employers offer a tax-advantaged financial wellness benefit. The other gives employees direct access to expert federal loan guidance. Both can be offered together or independently.
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Thrive Repayment Benefit
An employer-sponsored benefit platform providing high-impact financial wellness. Employees allocate benefit dollars toward student loans, retirement, 529 savings, or emergency funds. One budget, flexible allocation.
- Flexible Match, Employer Pay, Employer Match, or SECURE Act 2.0 options
- Student loan contributions tax-free up to $5,250/year with no employer payroll taxes
- Employees direct unused matching dollars to what matters most to them
- Automate and optimize repayment to reduce cost, improve cash flow, and accelerate debt freedom
- Simple setup: $2,500 implementation + $6.95/month per enrolled participant
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Thrive Student Loan Advisors
Expert advisors help employees navigating federal student loan repayment and forgiveness. We maximize savings through expert guidance across IDR, PSLF, and end-to-end filing support. No cost to the employer.
- Free loan review and analysis for every enrolled employee
- IDR enrollment including IBR, ICR, and the new Repayment Assistance Plan (RAP)
- PSLF guidance, employer certification, and end-to-end forgiveness filing
- Specializes in default rehabilitation, garnishment relief, and Parent PLUS strategies
- Monthly webinars, one-on-one sessions, and annual recertification support
At a Glance
Two Programs. One Mission. Let's Thrive.
| 💼 Repayment Benefit | 🎓 Student Loan Advisors | |
|---|---|---|
| Who it serves | Employers providing high-impact financial wellness benefits | Employees navigating federal student loan repayment and forgiveness |
| Employer cost | $6.95/participant/mo + $2,500 setup | FREE (or $4.00/employee/mo for expanded services) |
| Financial Benefit | Tax-free up to $5,250 per employee per year | Reduced loan payments • Shorter loan terms • Loan forgiveness opportunity |
| Key deliverable | Automate and optimize repayment to reduce cost, improve cash flow, and accelerate debt freedom | Maximize forgiveness and savings with expert guidance across IDR, PSLF, and end-to-end filing support |
| Retention impact | 86% would stay 5+ years with this benefit | Reduces financial stress, improves focus and productivity |