2019 BBB Spark Torch Award

Better Business Bureau’s annual Torch Awards honor businesses and charities in Alaska, Washington, Oregon, Montana, Hawaii, Idaho, and Western Wyoming that demonstrate excellence in the marketplace. It is the most prestigious BBB award presented to exceptional businesses and charities for their dedication to integrity



East Valley School District


"I graduated from college in 2018 and was eager to begin my teaching career. However, with various public and private student loans, I felt lost knowing how to even begin the process of paying them off. I was even more overwhelmed when researching how to enroll in the student loan forgiveness program – a program intentionally created to be complex and difficult for borrowers to use. Being a first-year teacher was going to be challenging enough without the additional stress that came with loan repayment.

Fortunately for me, shortly before the upcoming school year began, I was introduced to Carey. She immediately and regularly kept in contact with me, answering all of my many questions and explaining the loan forgiveness program in ways I could understand. She was compassionate, driven, attentive, and made me feel at ease when helping me handle my loan payments. Throughout the year, she continued to stay in touch either by reaching out on her own with updates or responding immediately to my texts/phone calls/emails. Even on the weekends! I have since moved ten time zones away, and she continues to assist me!

Life is so much better when surrounded by supportive people, and Carey has been a blessing in my life when I needed all the support I could get. I whole-heartedly recommend her services to anyone needing assistance with loan repayment, especially those working in public service positions. Thank you, Carey!"

Mead School District

"I literally spent years trying to figure out the process to apply for some kind of student loan relief. The paperwork is nearly impossible to complete according to the complicated standards and process that has been set. After being asked to redo paperwork repeatedly, being asked to double cross my T's and dot my I's again, having timelines run out, and having to start the process all over again… I found Carey!  After a phone conversation and a quick e-mail, Carey got to work for me and my $35,000 in student loans. She did all the work for me, while updating me with quick emails and phone calls throughout the process to keep me informed. I was able to let go completely of this huge burden and focus on my full-time teaching job and my family while Carey worked countless hours, with loyal persistence, and got more than half ($17,500) of my student loans completely forgiven!" 

Meghan Slick (Midway Elementary)

Central Valley School District

"I met Carey at the Riverside School District Benefits Fair at the beginning of the 2017/2018 school year.  Initially, I was hesitant to call or even meet with Carey and her team because of negative past experiences in working with companies that offered student loan debt consolidation.  Carey's  honest and friendly demeanor set my fears at ease at the initial consultation meeting.  I was struck by her immediate compassion to help me and my family.  It was clear from the initial meeting that Carey and her team were very knowledgeable about federal student loan services and that they were different from companies that I had dealt with in the past.  Carey tailored a payment plan based on my individual needs and was able to immediately get my monthly payment down.  Carey was also able to track down payments that would otherwise not have been counted toward my student loan forgiveness, literally saving me thousands of dollars.  I would recommend New Beginnings to anyone looking for someone they can trust to help them navigate the maze of Federal Student Loan financing.  Before New Beginnings, I felt as though I was drowning in a sea of Federal Student loan red tape.  It's hard to put into words how grateful I am for the peace of mind I now have, knowing that Carey and her team are on my side. "

Sarah Ramsden

East Valley School District

"I have grown to trust Carey and NewBeginnings with every aspect of my student loan. I trust that they will help me make the best decisions about how to pay it back as early as possible. NewBeginnings has the expertise I lack in navigating the confusing and ever-changing loan rules, and they gave me new hope about being able to someday erase the debt after they patiently looked over my particular situation. Because of NewBeginnins' skills, I will pay off the loan much sooner than if I were trying to figure out my options on my own, and I will save thousands of dollars, thank you!"

Amy Sleeth (East Valley Middle School) 

McNeill Family

 "My husband and I were introduced to Carey at NewBeginnings by a mutual friend who had noticed how hard we were trying to buying our first home and how worried we were about my husband’s student loans holding us back. With both of us working over 40 hours a week we didn’t have time to figure out where to start or what the first step would be to get his loans under control. After years of trying to manage 6 different student loans, Carey worked diligently to get him back on track and in good standing. The best part is that Carey will work with you until the end to make sure that everything gets done the way it should. Even when you think you are done with the process things can change. Knowing that we now have someone on our side taking care of thing is priceless. The best part is that my husband and I were just approved to buy our first home!" 

Fred and Lisa McNeill

East Valley School District

"Carey came into my school and helped many of the staff members with student loan situations.  In my situation, Carey turned my student loans around and put my mind at ease knowing that everything was in line like it needed to be.  From consolidating loans to making sure I was on the right repayment plan for forgiveness programs (which I was not, unfortunately!), Carey worked diligently to get my loans as squared away as she possibly could!  The decision was a 'no brainer' to work with Carey and NewBeginnings - her knowledge of every loan system and program available is second to none and if there is any question with student loans, she is the go to and know all!"


Teacher Loan Forgiveness

Success Stories

Midway Elementary
Mead, Washington
Primary Special Education 

Teacher Original Loan Balance: $34,524

 Teacher Loan Forgiveness: $17,500 

Remaining Loan Balance: $15,416


East Valley High School
Spokane Valley, Washington

 Secondary Special Education Teacher

 Original Loan Balance: $81,738 

Teacher Loan Forgiveness: $17,500 

Remaining Loan Balance: $66,079.59 

Central Valley School District 

Spokane Valley, Washington 

Original Loan Balance: $22,488 

Teacher Loan Forgiveness: $17,500 

Remaining Loan Balance: $4,988 

East Valley Middle School
Spokane Valley, Washington
Secondary Science Teacher
Original Loan Balance: $15,762
Teacher Loan Forgiveness Forbearance: $17,500 

Teacher Loan Forgiveness Issuing 06/14/2019 

Loan Balance : $0 


Riverside High School

Chattaroy, Washington
Secondary Algebra/Geometry Teacher Original Loan Balance: $14,684 

Teacher Loan Forgiveness: $17,500 

Remaining Loan Balance: $0 

Learn More

Teacher Loan Forgiveness Assistance