To provide information, clarification and critical nature of an Individualized Student Loan Assessment. This includes thorough definitions, critical components, and strategies that allows student loan borrowers to learn that they have choices and options in regards to student loan repayment. Every borrower deserves to see their individual options, through the Individualized Assessment, for repayment based on their variables, goals and opportunities. The Individiualized Assessment is the first step in changing a stressful and frustrating process into a more informed, efficient and confident journey.