Structured Settlements 4Real®Blog 2026

Structured settlements expert John Darer reviews the latest structured settlements and settlement planning information and news, and provides expert opinion and highly regarded commentary. that is spicy, Informative, irreverent and effective for over 20 years.

Recent Posts

about

The STRUCTURED SETTLEMENTS 4REAL® Blog is a highly regarded source for structured settlement news, information, and commentary, led by structured settlement and settlement planning subect mater expert John Darer CLU ChFC MSSC CeFT RSP CLTC. With two decades of operation, the blog and 4structures.com are recognized as comprehensive resources, offering detailed guides and specialized insights. Established in 2005, the blog caters to a broad audience, including legal professionals, injured individuals, families, and various stakeholders, providing reviews and opinions on settlement planning. John Darer, President of 4structures.com LLC, is a seasoned structured settlement expert with over 40 years of financial services experience and 31 years specializing in structured settlements. Based in Stamford, CT, he is a Certified Financial Transitionist and Registered Settlement Planner, holding insurance licenses in 45 states and the District of Columbia. John Darer is dedicated to transparency and advocacy, he emphasizes the importance of engaging trained and licensed professionals for settlement planning, offering valuable insights through his investigative journalism and professional commentary.

Don’t Sell Your Structured Settlement to Pay Off Student Loans Leaving You With Skin and Bones

by John Darer CLU ChFC MSSC CeFT RSP CLTC

Structured settlement payees should do their best to avoid selling their structured settlement payments for pennies on the dollar, "to help pay for college" or "help pay off college loans". 

Many times the effective discount rate on proposed deals to sell your structured settlement are really not a good deal at all because they exceed your student loan rate.

President Biden has called for forgiving $10,000 in student loan debt as part of a broader coronavirus relief package from Congress, while Senators Schumer and Warren have pushed for vanquishing up to $50,000 in student debt. If you can hang in there without eroding the stable tax-free income provided by your structured settlement then it may be worth the wait.

Always seek independent professional advice from someone unrelated to the settlement purchaser that is soliciting you.

Independent Professional Advice (IPA) for Structured Settlement Sellers (4structures.com)

Posted in , , , , , , , ,

Discover more from Structured Settlements 4Real®Blog 2026

Subscribe now to keep reading and get access to the full archive.

Continue reading