With over 40 years of experience in student financial aid and higher education, Paul Garrard is one of the most well known and in-demand student loan debt management experts in the nation, especially in the medical and health professions communities.

His specialty is helping medical school graduates develop repayment strategies that make sense based on their student loan portfolios, specialties, and career plans, and to know how to shift gears with their repayment strategies whenever necessary. In August of 2008, he started his own company, PGPresents, designed to help borrowers who need straight answers, objective information, timely updates, and personalized help managing their student loans.

His company also works with medical and other health sciences schools, organizations and associations who need help with their educational debt management programs. See the extensive client list on the home page for information on who PGPresents has worked with.

Mr. Garrard has experience in both the non-profit and for-profit sectors of higher education and student financial aid. He holds a Bachelor of Arts from Samford University in Birmingham, Alabama and the M.B.A. from the University of Georgia in Athens, Georgia.

• Founder and President, PGPresents, LLC, Independent Student Loan Consulting
• Vice President, Debt Management Services and Private Loan Consolidation, Sallie Mae
• Vice President, Debt Management Services, National Council of Higher Education Resources (NCHER)
• Vice President, Student Services, Association of American Medical Colleges (AAMC)
• Director, Student Financial Planning, Georgetown University School of Medicine

• B.A., Samford University, Birmingham, Alabama
• M.B.A., University of Georgia, Athens, Georgia

• American Dental Education Association (ADEA)
• Financial Planning Association (FPA)
• National Council of Higher Education Resources (NCHER)