Resources

Everything employers, HR teams, and employees need to evaluate, launch, and run an employer-sponsored student loan repayment program under IRC Section 127.

Calculators

Employer ROI Calculator

Model your 3-year return on a Section 127 SLRA program, including FICA savings and retention impact.

Tax Savings Calculator

Compare a taxable salary raise to a tax-free SLRA contribution for any state.

Lump Sum Payoff Calculator

See how a one-time lump sum shortens a student loan payoff timeline.

Break-Even Retention Calculator

How many retained employees does the program need to pay for itself?

SLRA Budget Calculator

Design the right contribution amount for your team size and benefits budget.

Section 127 Nondiscrimination Tool

Walk through the four §127 NDT requirements in plain English.

Regulatory Guides

Section 127 Complete Guide 2026

Pillar reference on §127: history, OBBBA 2025 permanence, plan documents, reporting.

SECURE 2.0 Section 110 Guide

How employers can match 401(k) contributions on employee student loan payments.

Section 127 vs SECURE 2.0 Strategy

How to combine §127 with SECURE 2.0 §110 for maximum employee value.

Section 127 Plan Document

Reference plan-document language meeting IRC §127(b)(1) requirements.

Comparisons

SLRA vs Tuition Reimbursement

Same tax code, different impact. How to choose between the two.

SLRA vs 401(k) Match

Stacking strategies under §127 and SECURE 2.0 §110.

SLRA vs Signing Bonus

Why recurring tax-free contributions outperform one-time cash.

SLRA vs Salary Raise

Total comp comparison after federal, state, and FICA tax.

PSLF vs Employer SLRA

Decision framework for employees choosing between paths.

SLRP vs Tuition Reimbursement

Legacy comparison of repayment versus tuition benefits.

Strategic Programs

SLRA for DEI Programs

Using SLRA as part of an equity-focused benefits strategy.

SLRA Retention Playbook

Tactics for maximizing the retention impact of your program.

SLRA Recruiting Playbook

Positioning SLRA in your recruiting motion.

Financial Wellness with SLRA

How SLRA fits in a broader financial wellness offering.

HR One-Pager

A printable 8.5×11 pitch document HR leaders can hand to their CFO.

Blog

5 Signs Your Company Needs an SLRA Program

Five concrete signals that employer student loan repayment has moved from nice-to-have to required-to-compete.

True Cost of Physician Turnover

Replacing a physician runs $500K–$1M. SLRA changes the retention math.

Why Signing Bonuses Don't Work

A $30K signing bonus nets ~$20K after taxes. SLRA delivers full value, no leakage.

Section 127 vs 529 Plans

Section 127 addresses existing debt; 529s fund future education. They complement.

Why 2026 Is the Year for SLRA

OBBBA 2025 made §127 permanent. Grad PLUS phases out July 2026. The window is open.

The Retention Math Employers Ignore

One point of voluntary turnover reduction on a 100-person company saves $40K–$100K.

Reference

Frequently Asked Questions

42 questions organized by category: basics, tax, eligibility, setup, compliance.

Glossary

63 defined terms A–Z covering Section 127, SECURE 2.0, OBBBA, and compliance.

How to Set Up a Student Loan Benefit

Implementation walkthrough from sign-up to first disbursement.

Additional Resources

Healthcare Employee Benefits 2026

Healthcare benefits landscape overview.

Physician Retention Case Study

Healthcare retention impact analysis.

OB/GYN Student Loan Debt

Specialty-specific debt analysis.

Nurse Practitioner Benefit

NP-specific benefit guidance.

Locum Cost Avoidance

Healthcare staffing economics.

Payroll Integration Guide

Payroll system considerations.

Grad PLUS Funding Gap 2026

Impact of Grad PLUS phaseout on graduate education.

Grad PLUS Employer Benefit

Grad PLUS specifics for employer programs.

Parent PLUS Eligibility

Parent PLUS rules under §127.

Federal vs Private Loans

Loan-type breakdown for employer benefits.

Refinanced Loans Benefit

How refinanced loans qualify under §127.

IDR Plans Employer Benefit

How SLRA interacts with income-driven repayment.

SLRA for Startups

Program design for early-stage teams.

SLRA for Mid-Market

Program design for mid-market employers.

SLRA for Enterprise

Program design for enterprise organizations.

SLRA for Remote-First

Multi-state remote workforce considerations.

SLRA for Hybrid Workplaces

Hybrid workforce program design.

SLRA for Small Business

Small business guidance.

SLRA for Tech Startups

Tech startup guidance.

SLRA for Law Firms

Law firm guidance.

SLRA for Nonprofits

Nonprofit guidance.

California

California-specific guidance.

Texas

Texas-specific guidance.

New York

New York-specific guidance.

Florida

Florida-specific guidance.

Illinois

Illinois-specific guidance.

Massachusetts

Massachusetts-specific guidance.

New Jersey

New Jersey-specific guidance.

Featured resources

Side-by-side platform comparison →Quick comparison →Employee student loan benefit explainer →OBBBA 2025 impact →State-by-state tax treatment →Section 127 guide →

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