Meet our Founder!

Rachael Katz

Key 2 Debt Free was founded in December 2017 by Rachael Katz, a single mother of two sons, who had just graduated with her MBA in Finance, had over $100k of student loans, a looming $1k/mo. payment that would be due soon, and no steady income or job.  With no idea of what to do with this debt or how she was going to successfully manage and pay it off, Rachael did what she always does when she’s looking for the answer…. she PRAYED!  She prayed for the SOLUTION that would help her with this student loan debt dilemma; and by the Grace of God, she was introduced to the federal student loan relief programs at a conference for Nursing school students and graduates.


Rachael was hired to canvas and collect information from attendees with student loans who were interested in payment relief plans and public service loan forgiveness programs.  Not being a nurse and having no plans to go into a medical or public service career; Rachael didn’t believe any of these programs would work for her student loans but decided to inquire a little more with the event organizer after he spoke at the event.  Rachael was educated on the different plans and programs available to all student loan borrowers who have received loans through FAFSA (Free Application for Student Aid) and was shown how to qualify and apply for the payment relief plan and forgiveness program that was best for her.


Rachael has turned this knowledge into an educational and consulting business that has successfully helped thousands of student loan borrowers take advantage of payment relief programs that have saved them thousands of dollars annually and set them on a path towards loan forgiveness and becoming debt free.


Subscribe to our Blog below and you too can hold the key to a debt free and financially secure future. https://k2df.substack.com/

Certifications

Certificate for Rachael Katz from CSLA Board of Standards for Advanced Case Studies in Student Loan Repayment, issued February 2, 2024
Certificate for Rachael Katz from CSLA Board of Standards for Advanced Case Studies in Student Loan Repayment, issued February 2, 2024
Certificate for Rachael Katz from CSLA Board of Standards for Advanced Case Studies in Student Loan Repayment, issued February 2, 2024
Certificate for Rachael Katz completing Profession-Specific Student Loan Advising from The CSLA Board of Standards, issued January 30, 2024
Certificate for Rachael Katz completing Profession-Specific Student Loan Advising from The CSLA Board of Standards, issued January 30, 2024
Certificate for Rachael Katz completing Profession-Specific Student Loan Advising from The CSLA Board of Standards, issued January 30, 2024
California Department of Insurance License for Rachael Juliette Katz, License #OL57198, Insurance Producer, Accident & Health or Sickness, Life, Business Address 7357 Leescott Ave, Lake Balboa CA 914062625, Effective 02/28/2024, Expires 02/28/2027
California Department of Insurance License for Rachael Juliette Katz, License #OL57198, Insurance Producer, Accident & Health or Sickness, Life, Business Address 7357 Leescott Ave, Lake Balboa CA 914062625, Effective 02/28/2024, Expires 02/28/2027
California Department of Insurance License for Rachael Juliette Katz, License #OL57198, Insurance Producer, Accident & Health or Sickness, Life, Business Address 7357 Leescott Ave, Lake Balboa CA 914062625, Effective 02/28/2024, Expires 02/28/2027
California Department of Insurance License for Rachael Juliette Katz, License #OL57198, Insurance Producer, Accident & Health or Sickness, Life, Business Address 7357 Leescott Ave, Lake Balboa CA 914062625, Effective 02/28/2024, Expires 02/28/2027
Rachael Katz certificate of completion for CSLP 200-2.0, a core course in the Certified Student Loan Professional Program, issued 2024-01-05
Rachael Katz certificate of completion for CSLP 200-2.0, a core course in the Certified Student Loan Professional Program, issued 2024-01-05
Rachael Katz certificate of completion for CSLP 200-2.0, a core course in the Certified Student Loan Professional Program, issued 2024-01-05
Rachael Katz certificate of completion for CSLP 200-2.0, a core course in the Certified Student Loan Professional Program, issued 2024-01-05
Certificate of Completion for Rachael Katz in CSLP 100-2.0, a core course in the Certified Student Loan Professional Program, issued January 3, 2024.
Certificate of Completion for Rachael Katz in CSLP 100-2.0, a core course in the Certified Student Loan Professional Program, issued January 3, 2024.
Certificate of Completion for Rachael Katz in CSLP 100-2.0, a core course in the Certified Student Loan Professional Program, issued January 3, 2024.
Certificate of Completion for Rachael Katz in CSLP 100-2.0, a core course in the Certified Student Loan Professional Program, issued January 3, 2024.

Assess Your Financial Freedom Progress

Assess Your Financial Freedom Progress

Your path to financial independence starts with understanding where you stand today. We help you evaluate your debt, credit, and financial opportunities — then guide you toward the most effective solutions for lasting change.

Your path to financial independence starts with understanding where you stand today. We help you evaluate your debt, credit, and financial opportunities — then guide you toward the most effective solutions for lasting change.

15,000+

Key Relief Metrics

Provide the average amount of time it takes for borrowers to get approved for a mortgage.

92%

Empowering Financial Wellness

Of clients report improved credit scores and reduced financial stress within the first 6 months.

50 States

Nationwide Success Stories

Clients served across the U.S. through our network of trusted financial professionals.

TESTIMONIALS

What Others Are Saying

"You're already changing my life!"

Berry M.

Client

Smiling man in denim shirt, financial advisor, Key 2 Debt Free consultant

Berry M.

Client

I just finished my meeting with Rachael and I want to thank you for introducing me to her...she is truly AMAZING! I had no idea about the programs and options she suggested for me and for my daughter that are total game-changers. I am honestly blown away. You ladies are already changing my life!! I am so grateful to you both and so excited to continue on this journey!!

24 K

1.2 B

"You're already changing my life!"

Berry M.

Client

Smiling man in denim shirt, financial advisor, Key 2 Debt Free consultant

Berry M.

Client

I just finished my meeting with Rachael and I want to thank you for introducing me to her...she is truly AMAZING! I had no idea about the programs and options she suggested for me and for my daughter that are total game-changers. I am honestly blown away. You ladies are already changing my life!! I am so grateful to you both and so excited to continue on this journey!!

24 K

1.2 B

"You're already changing my life!"

Berry M.

Client

Smiling man in denim shirt, financial advisor, Key 2 Debt Free consultant

Berry M.

Client

I just finished my meeting with Rachael and I want to thank you for introducing me to her...she is truly AMAZING! I had no idea about the programs and options she suggested for me and for my daughter that are total game-changers. I am honestly blown away. You ladies are already changing my life!! I am so grateful to you both and so excited to continue on this journey!!

24 K

1.2 B

"You're already changing my life!"

Berry M.

Client

Smiling man in denim shirt, financial advisor, Key 2 Debt Free consultant

Berry M.

Client

I just finished my meeting with Rachael and I want to thank you for introducing me to her...she is truly AMAZING! I had no idea about the programs and options she suggested for me and for my daughter that are total game-changers. I am honestly blown away. You ladies are already changing my life!! I am so grateful to you both and so excited to continue on this journey!!

24 K

1.2 B

"My monthly payment is less than my Netflix!"

Susan J.

Client

Smiling man in denim shirt, financial advisor, Key 2 Debt Free consultant

Susan J.

Client

I thought my loans were unmanageable, particularly on a single income with 4 children. After struggling to keep up for years, they eventually went into default. Next thing I knew, my wages were being garnished. Rachael put an end to that, and now my monthly payment is less than my Netflix!

24 K

1.2 B

"My monthly payment is less than my Netflix!"

Susan J.

Client

Smiling man in denim shirt, financial advisor, Key 2 Debt Free consultant

Susan J.

Client

I thought my loans were unmanageable, particularly on a single income with 4 children. After struggling to keep up for years, they eventually went into default. Next thing I knew, my wages were being garnished. Rachael put an end to that, and now my monthly payment is less than my Netflix!

24 K

1.2 B

"My monthly payment is less than my Netflix!"

Susan J.

Client

Smiling man in denim shirt, financial advisor, Key 2 Debt Free consultant

Susan J.

Client

I thought my loans were unmanageable, particularly on a single income with 4 children. After struggling to keep up for years, they eventually went into default. Next thing I knew, my wages were being garnished. Rachael put an end to that, and now my monthly payment is less than my Netflix!

24 K

1.2 B

"My monthly payment is less than my Netflix!"

Susan J.

Client

Smiling man in denim shirt, financial advisor, Key 2 Debt Free consultant

Susan J.

Client

I thought my loans were unmanageable, particularly on a single income with 4 children. After struggling to keep up for years, they eventually went into default. Next thing I knew, my wages were being garnished. Rachael put an end to that, and now my monthly payment is less than my Netflix!

24 K

1.2 B

"Loved everything so far"

Jafar W.

Client

Smiling man in denim shirt, financial advisor, Key 2 Debt Free consultant

Jafar W.

Client

I graduated just two years before my college was shut down. I felt cheated - all my hard work was for nothing, and the bills for my education kept on coming. I didn't know what to do, and then a friend told me to talk to Key 2 Debt Free. With their help, I successfully petitioned for Borrower's Defense and my loans were completely forgiven.

24 K

1.2 B

"Loved everything so far"

Jafar W.

Client

Smiling man in denim shirt, financial advisor, Key 2 Debt Free consultant

Jafar W.

Client

I graduated just two years before my college was shut down. I felt cheated - all my hard work was for nothing, and the bills for my education kept on coming. I didn't know what to do, and then a friend told me to talk to Key 2 Debt Free. With their help, I successfully petitioned for Borrower's Defense and my loans were completely forgiven.

24 K

1.2 B

"Loved everything so far"

Jafar W.

Client

Smiling man in denim shirt, financial advisor, Key 2 Debt Free consultant

Jafar W.

Client

I graduated just two years before my college was shut down. I felt cheated - all my hard work was for nothing, and the bills for my education kept on coming. I didn't know what to do, and then a friend told me to talk to Key 2 Debt Free. With their help, I successfully petitioned for Borrower's Defense and my loans were completely forgiven.

24 K

1.2 B

"Loved everything so far"

Jafar W.

Client

Smiling man in denim shirt, financial advisor, Key 2 Debt Free consultant

Jafar W.

Client

I graduated just two years before my college was shut down. I felt cheated - all my hard work was for nothing, and the bills for my education kept on coming. I didn't know what to do, and then a friend told me to talk to Key 2 Debt Free. With their help, I successfully petitioned for Borrower's Defense and my loans were completely forgiven.

24 K

1.2 B

Feeling anxious about your finances? We’ve all been there.

Let our experts help you find clarity, confidence, and a clear plan toward financial peace of mind.

IdentityIQ logo with a shield symbol
Abstract financial graphic with blue and white vertical lines and two dark gray rectangles.
Person using a calculator next to a model house and contract agreement for financial planning and homeownership.

Feeling anxious about your finances? We’ve all been there.

Let our experts help you find clarity, confidence, and a clear plan toward financial peace of mind.

IdentityIQ logo with a shield symbol
Abstract financial graphic with blue and white vertical lines and two dark gray rectangles.
Person using a calculator next to a model house and contract agreement for financial planning and homeownership.

Feeling anxious about your finances? We’ve all been there.

Let our experts help you find clarity, confidence, and a clear plan toward financial peace of mind.

IdentityIQ logo with a shield symbol
Abstract financial graphic with blue and white vertical lines and two dark gray rectangles.
Person using a calculator next to a model house and contract agreement for financial planning and homeownership.

Feeling anxious about your finances? We’ve all been there.

Let our experts help you find clarity, confidence, and a clear plan toward financial peace of mind.

IdentityIQ logo with a shield symbol
Abstract financial graphic with blue and white vertical lines and two dark gray rectangles.
Person using a calculator next to a model house and contract agreement for financial planning and homeownership.
Key 2 Debt Free logo with stylized K in blue and purple

Key 2 Debt Free, LLC is a private consulting company and does not claim to be affiliated with any Federal, State, or Local Government agencies. Key 2 Debt Free, LLC is not a loan servicer or originator. Key 2 Debt Free, LLC is in no way affiliated with the Department of Education. Key 2 Debt Free, LLC consults with individuals on how to obtain federal government student loan forgiveness and/or consolidation programs by pre-qualifying, preparing, and submitting required documentation on their behalf. Individuals with student loan debt have the legal right to use an attorney or process federal student loan documentation on their own behalf without paid assistance. When you work with Key 2 Debt Free, you gain access to a nationwide network of financial professionals and specialists working to find you new products, services, and strategies for making the most of your money.


Our experienced representatives help put your financial situation in perspective, so you can prioritize your monetary goals and create a more secure financial future for yourself and your loved ones.

Subscribe to get newsletter!

Key 2 Debt Free logo with stylized K in blue and purple

Key 2 Debt Free, LLC is a private consulting company and does not claim to be affiliated with any Federal, State, or Local Government agencies. Key 2 Debt Free, LLC is not a loan servicer or originator. Key 2 Debt Free, LLC is in no way affiliated with the Department of Education. Key 2 Debt Free, LLC consults with individuals on how to obtain federal government student loan forgiveness and/or consolidation programs by pre-qualifying, preparing, and submitting required documentation on their behalf. Individuals with student loan debt have the legal right to use an attorney or process federal student loan documentation on their own behalf without paid assistance. When you work with Key 2 Debt Free, you gain access to a nationwide network of financial professionals and specialists working to find you new products, services, and strategies for making the most of your money.


Our experienced representatives help put your financial situation in perspective, so you can prioritize your monetary goals and create a more secure financial future for yourself and your loved ones.

Subscribe to get newsletter!

Key 2 Debt Free logo with stylized K in blue and purple

Key 2 Debt Free, LLC is a private consulting company and does not claim to be affiliated with any Federal, State, or Local Government agencies. Key 2 Debt Free, LLC is not a loan servicer or originator. Key 2 Debt Free, LLC is in no way affiliated with the Department of Education. Key 2 Debt Free, LLC consults with individuals on how to obtain federal government student loan forgiveness and/or consolidation programs by pre-qualifying, preparing, and submitting required documentation on their behalf. Individuals with student loan debt have the legal right to use an attorney or process federal student loan documentation on their own behalf without paid assistance. When you work with Key 2 Debt Free, you gain access to a nationwide network of financial professionals and specialists working to find you new products, services, and strategies for making the most of your money.


Our experienced representatives help put your financial situation in perspective, so you can prioritize your monetary goals and create a more secure financial future for yourself and your loved ones.

Subscribe to get newsletter!

Key 2 Debt Free logo with stylized K in blue and purple

Key 2 Debt Free, LLC is a private consulting company and does not claim to be affiliated with any Federal, State, or Local Government agencies. Key 2 Debt Free, LLC is not a loan servicer or originator. Key 2 Debt Free, LLC is in no way affiliated with the Department of Education. Key 2 Debt Free, LLC consults with individuals on how to obtain federal government student loan forgiveness and/or consolidation programs by pre-qualifying, preparing, and submitting required documentation on their behalf. Individuals with student loan debt have the legal right to use an attorney or process federal student loan documentation on their own behalf without paid assistance. When you work with Key 2 Debt Free, you gain access to a nationwide network of financial professionals and specialists working to find you new products, services, and strategies for making the most of your money.


Our experienced representatives help put your financial situation in perspective, so you can prioritize your monetary goals and create a more secure financial future for yourself and your loved ones.

Subscribe to get newsletter!