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Heather Carter

@on.track.consulting

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"Teaching you how to get that bag and keep that bag" Let's get free from Debt, Student Loan Debt, and get the things we want in Life!

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What a wonderful time at Captivate! ❤️

“A Conference for Women in Pursuit of God” was such a beautiful time of love, healing, and transformation! I’m grateful for the wonderful speakers and every member of the prayer team who poured into us. 🙏🏽

I even got a picture with Judith MacNutt! She is such an anointed woman of God. What a special moment! ❤️

Thank you, Christian Healing Ministries, for an unforgettable conference!

#CHM #ChristianHealingMinistries #Captivate2026 by @on.track.consulting

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13 days ago

A Little Friday Joy ☀️

It’s Friday, and I’m choosing to notice the little things that make me smile. A good conversation, a favorite song, a moment to breathe those things matter too. ❤️

What’s one thing that brought you joy this week? I’d love to hear it! 😊 by @on.track.consulting

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21 days ago

Got to try it all while we are here!!!!!! taken in Eastside Fish Fry & Grill by @on.track.consulting

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2 months ago

It's almost that time!!!!! And the famous olive burger, better than it looks!!! taken in Dagwood Tavern & Grill by @on.track.consulting

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2 months ago

Super Proud❤️❤️❤️...Guess who is 21!!! by @on.track.consulting

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3 months ago

🚨 LOOK AT THE ATTACHED 👀🔥

This one is personal.

Even as a Student Loan Expert… I had student loans too. 💼📚

And today I received confirmation that I reached the required number of payments under the RIGHT Income Driven Repayment plan and I’m now eligible for discharge. 🎉📩✅✨

Read that again.

Eligible. For. Discharge. 🙌🏽🔥

This is why being in the correct IDR plan matters. 💡📊
Not just any plan. The RIGHT one.

If you are not 100% sure your loans are set up correctly, don’t guess. ⏳❗

📲 For FAST action, text or call me at 904-383-7666
Or book your FREE 15-minute discovery call (link in bio).

Let’s position you for forgiveness next. 🚀💛

#StudentLoans #IDR #LoanForgiveness #DebtRelief #FinancialFreedom OnTrackConsulting by @on.track.consulting

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8 months ago

🚨 LOOK AT THE ATTACHED!!! 🚨🔥👀

Even as a Student Loan Expert… I had student loans too. 📚💼

YES. ME. 🙋🏽‍♀️✨

And I just received confirmation that I reached the required number of payments under the RIGHT Income Driven Repayment plan and am now eligible for discharge. 🎉📩✅

This is EXACTLY why being in the correct IDR plan matters. 💡📊

Not just any plan. ❌
Not whatever your servicer puts you in. 🚫

The right strategy determines whether your payments count and whether forgiveness actually happens. ✔️

Too many borrowers are on the wrong path and don’t even know it. 🤯

If you are unsure about your loans, your plan, or your forgiveness options… let’s fix that. 🔍✨

Book your FREE 15-minute discovery call:
https://free.get-otc.com

Let me help you get on the right track to forgiveness too. 🚀

#StudentLoans #IDR #LoanForgiveness #PSLF #DebtFreeJourney FinancialFreedom by @on.track.consulting

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8 months ago

Apparently there’s a viral challenge going around that says:

“Create a caricature of me and my job based on everything you know about me.”

So of course mine came out looking like this 😂👇🏽

Me: smiling way too hard
Laptop open to StudentAid.gov
Clipboard full of checklists
Lightbulb moments everywhere
And someone next to me saying…
“WAIT… you mean I might actually have options with my student loans?!”

If my caricature could talk, it would say:
📚 “Yes, we’re checking PSLF.”
📝 “Yes, we’re reviewing Borrower Defense.”
🧠 “No, we’re not just guessing.”
💡 “And YES, there is a strategy.”

This is literally what I do all day — helping people make sense of student loans so they can breathe again.

If your caricature would look stressed, confused, or surrounded by loan statements… it might be time we talk 😅

Drop a 💡 if you want clarity, or comment STUDENT LOANS and I’ll point you in the right direction. by @on.track.consulting

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8 months ago

I learn so much today in my mastermind!!! AI content @thebrandingbar ...This is my AI Twin Roxy!!!! by @on.track.consulting

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9 months ago

Let the pictures do the talking❣️ #22

#Classof2026
#raineshsbasketball by @on.track.consulting

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10 months ago

Don't Sleep on him..#22

#Williamraines
#rainesvikings vikings
Classof2026 Senior2026
raineshsbasketball DanielAKAbigD by @on.track.consulting

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10 months ago

#ISSAGREATDAYFORBASKETBALL
#HOOPFEAST #Williamraines
#rainesvikings #vikings
#Classof2026 #Senior2026
#raineshsbasketball by @on.track.consulting

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a year ago