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"FSP webinars have tremendous value for financial professionals. There is a wide array of interesting topics to choose from, and the ability to assemble a group of individuals lets you extend and amplify the value of the program. When supporting material is provided, such as articles, web sites, etc., attendees can continue the dialogue when the program ends."

Laurene B. Prevette, RHU, LUTCF
FSP Board of Directors, 2011-2012

Sponsored Education Online: Up, Up, and Away! Using Intra-Family Loans to Enhance Family Savings and Alleviate Graduate School Debt

CPE CE Credit Approvals

The recommended number of CPE credit hours is: 1

The Society of Financial Service Professionals is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website:

The Society offers programs at intermediate to advanced levels of continuing professional education. Although no pre-requisite course or advanced preparation is needed to participate in any program, knowledge of, or experience in, the program topic is required.

The Society's Refund Policy states that a refund may be given in most circumstances, less a $50 service fee. For more information regarding administrative policies on complaints and refunds, please contact our office at (800) 392-6900.

The following State Boards of Accountancy will accept CPE credit from National Registry Sponsors:

District of Columbia
North Carolina
North Dakota
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Puerto Rico
Rhode Island
South Carolina
South Dakota
West Virginia

There are no formal registration requirements for course providers in the balance of the states.

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Original Air Date Archives Level CE Credits*
Wednesday, 06/18/14
12:00 noon – 1:00 p.m. ET
Order online
Call: 1-800-392-6900
Via Email
Intermediate PACE: 1 hr
CPE: 1 hr
CFP®: 1 hr
[Password provided in your registration email]

* You must participate in the live event to get the PACE, CPE credit.

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Up, Up, and Away! Using Intra-Family Loans to Enhance Family Savings and Alleviate Graduate School Debt
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Program Overview

$1.25 trillion dollars.  That figure represents the estimated amount of outstanding student loan debt in the United States.  Although there are far fewer graduate students than undergraduate students, approximately 40% of that figure is attributable to graduate school debt.  Graduate students typically end up owing much more than their undergraduate counterparts.  Graduate school debt carries interest between 5 and 8% (government loans) or up to around 13% (private loans).  

15%.  That's the percentage of Americans in 2012 that said they trusted the stock market.  If mom and dad are wholehearted subscribers to the "new" retirement plan (save more, invest less) - or otherwise have saved significant sums in conservative financial vehicles - they may want to rethink their strategy as interest rates on savings, checking, and money market accounts or certificates of deposit are less than one percent.

Enter the intra-family loan.  If the Bank of Mom and Dad is fed up with its meager returns and grad is tired of being burned by debt with steep interest rates, an intra-family loan can - like Superman - make the Bank of Mom and Dad's interest rates go "up, up" and make grad's student loan debt go "away!"

Attendees Will Learn:

  • Facts and figures surrounding the current student loan debt landscape in the United States
  • Types of loans and repayment plans available to graduate students
  • Best practices for drafting the intra-family loan document and for structuring the intra-family loan
  • The multiple (financial) benefits flowing to the grad (debtor) and lender as a result

Featured Speaker:

Allison Anne Hoyt, J.D. is an attorney licensed to practice law in New York and in New Jersey. She began her legal career at a general practice law firm on Long Island as a litigator handling all phases of both criminal defense and civil litigation. She joined The Guardian Life Insurance Company of America in July 2012 as an advanced markets attorney in Guardian's Business Resource Center for Advanced Markets. As an advanced markets attorney Allison collaborates with Guardian's financial representatives, and other professionals, to help craft optimal business plans, employee and executive benefits plans, estate plans, and charitable plans for the clients of Guardian's financial representatives. Allison has been published in the New York Real Property Law Journal and the Nassau Lawyer and is a member of the Society of Financial Service Professionals, the American Bar Association, the New York State Bar Association, the New Jersey Bar Association, the New York City Bar Association, and the Nassau County Bar Association.