Staying on top of your student loans while also juggling your everyday expenses can be a lot, but there is help available. ZOLL helps you pay your student loans faster with student loan refinancing assistance through Fidelity.

You are not alone. Did you know:

• 45 million Americans have student debt and 65% are under 40 years old.
• $20,000 – $25,000 is the typical amount of education debt, with average monthly payments between $200 – $299.
• 11% of loans are in default.

While student loans may be considered “good debt” because the interest is federal tax-deductible, freeing yourself of debt is a good thing. This means more room in your budget for other important things — like building up your rainy-day fund, planning for retirement or saving for your child’s education expenses.

Fidelity’s Student Loan Refinancing Assistance provides the tools and resources to pay off your student loans quicker. There are helpful, FREE tools such as:

• The Student Loan Calculator to explore different repayment scenarios.
• The Student Loan Dashboard to keep on top of your student loan payments in an easy-to-use format.

Plus, you can learn more about federal loan forgiveness programs and download instructions to change your repayment plan.

Ready to get started?

• View the student debt calculator, read the FAQs and more.
• Let Fidelity Help You Get a Handle on Your Student Loan Debt.
• Text Studentdebt to 343989 for more information. Or log into your Fidelity portal at netbenefits.com and enter the search “Student Debt” for more information to learn the ins and outs of your debt and find the best repayment plan for you.

While the economy continues to fluctuate, building a budget has become more important than ever to staying fiscally fit. ZOLL offers resources through Fidelity and CAPTRUST to help you get on track. Some quick tips:

• Spend with a purpose. It’s important to understand where your money is going, and assess what you need and what you can cut.
• Don’t spend what you don’t have. Credit card debt can be very challenging. Remember to buy things that fit into your budget.
• Budgeting is not a one-time activity. Your life and circumstances are always changing. Use a Monthly Budget Worksheet and make sure to update your budget and don’t be afraid to make changes.
• Plan for your future. It may seem ok to put off that retirement savings just a little longer. But contributing to your 401(k) today will take care of you in the future.
• Get a financial checkup. You ZOLL benefits offer free financial advice that includes budgeting, saving, investing and retirement. No matter your age, CAPTRUST can help you build your financial blueprint.

View the many resources available to you.

Your ZOLL benefits support every part of your life, including helping you to get and stay fiscally fit. CAPTRUST and Fidelity work together to guide you every step of the way.

How does it work?

CAPTRUST – ZOLL partners with CAPTRUST Financial Advisors to help you plan for a bright future, no matter what stage of life you’re in. They help you:

• Develop your Retirement Blueprint
• Elect your contributions and select the investments that best suit your financial situation
• Access free, personalized advice to eliminate debt and save for your future

FIDELITY – Administers your 401(k) Savings Plan and offers you free financial wellness tools and resources via the web or mobile app where you can:

• Check account balances, update contributions, change investments
• Update your beneficiary designation
• Take the financial wellness checkup – learn how to budget and create a financial plan
• Attend a live web workshop (offered on most business days)

Together they are a winning combination to help you build your financial future.