Through advanced technology and expert student loan advisors, SLFP℠ empowers your employees to easily identify the best personalized options for their unique student loan situations. This can help lower their monthly payments, accelerate loan payoff, or even achieve complete loan forgiveness.
Fiducius stands apart because it is objective, personal, accessible, relevant, and flexible. It is objective, always putting the needs and goals of the borrower first—unlike banks focused solely on refinancing loans. It is personal, combining advanced technology with expert human advisors to create a no-risk, no-cost plan tailored to each borrower’s unique situation, fully funded by their employer. It is accessible, offering live advisor support during business hours and 24/7 access to digital tools. It is relevant, delivering a steady flow of up-to-date information through each borrower’s preferred digital channels, keeping them informed about developments with their loan servicer, lender, or the Department of Education. Finally, it is flexible, available for deployment across the entire enterprise, making it simple for employers to offer impactful support to all employees.
The employer student loan repayment benefit is a powerful financial perk that helps employees pay down their student loan debt faster. Through this benefit, employers can contribute directly to an employee’s loan balance, reducing their overall debt burden. Contributions can be made tax-free up to a specified annual limit, offering valuable tax advantages for both employers and employees. In addition to supporting employee financial wellness, the benefit also strengthens talent retention and recruitment efforts, making it a strategic tool for attracting and retaining top talent in a competitive job market.
Fiducius delivers unmatched value because it offers personalized solutions tailored to each employee’s unique financial situation, ensuring they maximize savings and repayment efficiency. Contributions are applied only after the loan is optimized through SLFP℠, driving better outcomes for employees. Fiducius also provides expert financial guidance, helping employees navigate complex loan structures and select the best repayment strategies, including opportunities for loan forgiveness. Seamless integration with payroll systems makes administration simple for both employers and employees. In addition, Fiducius offers ongoing support—not just a one-time payment—ensuring employees achieve long-term financial success. Finally, comprehensive reporting and compliance tools help employers easily meet all regulatory requirements, giving them peace of mind.
This is a fully outsourced service designed to manage the day-to-day administration of tuition reimbursement for your employees. It includes employee enrollment, centralized document management, EFT or check processing for reimbursements, budget modeling support for the finance team, year-end accounting, and student loan optimization for participants who borrow to cover tuition and related costs.
This benefit is valuable because: a) as an enrolled benefit, it allows the finance team to manage and forecast actual spend before reimbursements are issued; b) participants who borrow for their education are placed on a financial wellness path early, leveraging Student Loan Financial Planning as part of their education journey; and c) plan design and consulting are included in a simple, easy-to-implement rollout package, with the flexibility to launch either at the beginning of the year or mid-cycle—whichever best aligns with the employer’s needs.
All of your employees have likely heard about SECURE 2.0, the landmark legislation signed into law by Congress in December 2022. Among its many features, SECURE 2.0 allows employers to match employee student loan payments with qualified retirement plan contributions, choose the payment periods and match amounts that best fit their goals, and implement the benefit immediately while formally updating qualified plan documents by 2026.
SL Verify provides a smooth, seamless, and automated approach to tracking qualifying student loan payments. It helps employers stay in compliance with IRS requirements while integrating with Student Loan Financial Planning (SLFP) to minimize individual loan payments—thereby reducing the overall investment of employer match dollars.
Banking as a Benefit offers employees convenient access to financial resources that promote stability and long-term wellness. By expanding opportunities for responsible financial support, it helps employees better navigate their personal financial journeys. The benefit is simple to access and designed to meet the diverse needs of today’s workforce.
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