Understanding Student Loan Matching Programs

May 21, 2025 •

HFM Student Loan Matching Programs Guide

Student loans can hold your employees back—and their retirement savings too. A student loan matching program can change that.

How a student loan matching program works:

  • Employees make their student loan payments.
  • Employers match those payments with retirement contributions.

Why it’s a game-changer:

  • Attract talent: 40% of workers would change jobs for better benefits.[1]
  • Boost wellness: Help employees pay loans and save for the future.
  • Stay competitive: Stand out, especially with Millennials and Gen Z.

Starting in 2025, SECURE 2.0 makes it easier to match loan payments with retirement contributions. Is this program right for your team?

Let’s explore your options

 

 

[1] Willis Towers Watson. “2024 Global Benefits Attitudes Survey.” June 2024.

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HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. All investments involve risk and are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as a recommendation appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment advisor to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

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Disclosure: HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. All investments involve risk and are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as a recommendation appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment advisor to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

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