Student Loan Planner

Most financial goals sound reasonable, but "socially acceptable" goals are often too polite, and they can quietly sabotage the life you actually want. We dig into how to uncover honest, motivating goals, why Coast FIRE sneaks up on more people than they realize, and how student loans don't have to delay living a meaningful life. If your goals feel safe but uninspiring, this one's for you. Key moments: (03:53) The hidden signs you might already be at Coast FIRE (07:57) What you'd really change if money stress disappeared tomorrow (08:44) Identifying coping habits that block the life you actually want (14:06) Replacing safe goals with honest ones Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletterJoin SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Is working until 65 actually bad for your health? In this episode, we dig into what the research really says about the link between retirement age and mortality. I share my journey from being obsessed with early retirement to recognizing the deeper value of time freedom, purpose, and creativity in financial planning. We explore how most professionals are actually on track to be wealthier than they realize, how you can use flexible financial strategies to live better now, and how to stop optimizing for being the richest person in the cemetery. Key moments: (02:40) What the NIH research actually says about retirement and mortality (06:01) What people really want isn't early retirement — it's control over their time (10:15) Most professionals are already on track to have "too much" money (25:06) Why chasing passive income is often solving the wrong problem Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletterJoin SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

2026 may be the most confusing year for student loans yet. Find out what's actually changing with repayment plans, forgiveness, and Parent PLUS loans — and learn what you should be paying attention to right now. We'll also hear real listener questions about PSLF during a government shutdown, IDR recertification delays, getting out of SAVE forbearance, and whether PSLF buyback is worth counting on. If you're feeling anxious heading into 2026, this episode can help you make smart decisions without overreacting. Key moments: (00:44) Does government shutdown time count for PSLF? (08:26) Moving out of the SAVE forbearance, PSLF buyback and family size rules (20:10) Considerations for filing taxes jointly vs. separately (29:30) Warning for Parent PLUS borrowers who are still borrowing or who haven't yet consolidated (35:31) RAP plan rollout and what borrowers should expect next Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletterJoin SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Filing taxes married filing separately can be one of the most powerful tools for lowering income-driven student loan payments. But it's also one of the easiest ways to make costly mistakes if you're not careful. Meagan McGuire, CFP®, ChFC®, CSLP®, walks through what borrowers need to double-check before tax season hits. You'll learn when filing separately actually saves money, when it backfires, and how community property states completely change the math. Key moments: (05:32) Why married filing separately can dramatically lower IDR payments (09:58) Real numbers: comparing tax cost vs. student loan savings (17:28) The Roth IRA trap many married borrowers miss (23:37) Why community property states often create extra student loan savings Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletterJoin SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

The holidays can stir up a lot of stress, especially when student loans are still hanging over your head. In this episode, I want to slow things down and offer some perspective. We talk about why extreme frugality isn't required to build wealth, why "rich enough" beats "obscenely rich," and how your education and earning power already put you in a strong position. This is a reminder that student loans don't get to steal your peace or your joy. Key moments: (01:57) The difference between being rich and being rich enough (05:32) The real spending decisions that actually delay retirement (09:42) Why balance, gratitude, and time matter more than net worth Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletterJoin SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

The SAVE plan is officially dead. Learn what the SAVE lawsuit settlement actually says (not the rumors), who really needs to pay attention right now, and what you should do next. We walk through why millions of people are still stuck in SAVE forbearance, what repayment plans are actually available going forward, and how upcoming rulemaking could reshape income-driven repayment yet again. If you're waiting things out, this is your nudge to get proactive before the Department of Education decides for you. Key moments: (01:07) The lawsuit that officially ended the SAVE plan (05:01) Why borrowers should get off the SAVE plan asap (09:03) Borrowers are also losing access to PAYE (13:22) Why I don't think the RAP plan will be around for the next 30 years (18:25) Act early to avoid being defaulted into the wrong plan Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletter Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Income-Based Repayment has turned into a maze for a lot of borrowers, from unexpected forbearances to confusing "partial financial hardship" determinations that don't add up. Learn why so many borrowers are stuck in SAVE forbearance, what's really going on with IBR denials, and what the Department of Education says it's going to fix by early 2026. We'll also talk about new proposed borrowing limits, how they could reshape entire professions, and what that might mean for your salary, PSLF strategy, and long-term plan. Key moments: (02:17) What "partial financial hardship" actually means — and when it shouldn't block IBR (05:29) The out-of-cycle rulemaking session and why 2026 could bring sweeping IDR changes (06:36) Why proposed borrowing caps could upend grad and professional programs (11:31) The ripple effects on earnings, PSLF planning, and long-term loan strategy (14:02) What might trigger Congress to rewrite the rules again before 2028 Resource mentioned: Apply for or recertify income-driven repayment Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletter Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

We've been working on something big behind the scenes, and today I finally get to share it. We launched the SLP Insiders app, a dedicated community built for borrowers who want clarity, connection, and a calm place to ask questions without getting pulled into the noise of social media. Learn why we built it, who it's for, and how it can help you stay on track through the constant waves of servicer issues, PSLF updates, and IDR rule changes. If you've ever wished you had "your people" to talk loans with, this is the moment. Key moments: (01:54) The flood of borrower emails and how a community fills the gap (04:41) Profession-specific channels for physicians, dentists, lawyers, and more (10:10) RAP plan timing, huge interest subsidies, and why flexibility matters early on Resource mentioned: The Student Loan Planner app Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletter Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

A lot of borrowers are wondering how to get their loans forgiven without getting crushed by taxes later, especially with that 2026 tax-free forgiveness deadline creeping closer. In this episode, I walk through the lesser-known ways forgiveness can be tax-free, how timing affects whether you owe anything, and what thoughtful planning looks like if you're headed toward taxable IDR forgiveness. You'll also hear several listener questions that tie directly into PSLF quirks, marriage and income decisions, and whether refinancing really makes sense for high earners. Key moments: (01:35) Employer lump-sum PSLF mess and how to escalate when servicers contradict themselves (08:11) Acupuncturist's loans, marriage stress, and married-filing-separately trade-offs (16:57) Should high earners refinance or keep federal protections and flexibility (26:03) What happens if PSLF rules get blocked, and who should actually worry (29:11) Tax-free forgiveness strategies, tax bomb planning, and smart moves before 2026 Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletter Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Listen in as I sit down with my good friend and one of the sharpest legal minds in the student loan world, Stanley Tate. We walk through the latest PSLF battles, what the SAVE-forbearance mess really means for your timeline, and how the coming transition to RAP and old-school IBR could reshape repayment for millions of borrowers. We also get into Parent PLUS landmines, future loan caps, and what all of this means for the next generation of borrowers. You'll learn where the pitfalls are, how to protect yourself, and why most borrowers still have more options than they think. Key moments: (05:07) How worried should you be about the new PSLF rules (09:20) The weighted-average credit confusion after consolidation (16:32) The risk of choosing between federal and private student loans is quite high (24:28) SAVE forbearance, recertification delays, and the Parent PLUS trap (43:47) What we're watching in negotiated rulemaking and RAP vs. IBR Resource mentioned: Stanley Tate's YouTube channel Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletter Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

We've hit 400 episodes. That's hundreds of hours helping borrowers make sense of one of the most complicated (and emotional) parts of personal finance. In this milestone episode, I sit down with Lauryn Williams, CFP®, CSLP®, AFC®, one of our longest-serving planners and a key part of SLP since 2018. Together, we look back on how it all started — a spreadsheet that accidentally went viral — and how far we've come since then. We talk about the biggest surprises in today's student loan system, the stories that still move us years later, and where SLP is heading next. Key moments: (02:37) How a viral spreadsheet launched a national business (9:34) From Olympian to planner: Lauryn's journey to helping borrowers with student loan debt (14:50) The biggest shock about student loans today compared to 2016 (22:00) Client stories that still stick with us (32:15) Why today's system is simpler—but still not simple enough (38:54) What's next for SLP: building the SLP Insiders app to bring borrowers together Resources mentioned: Financial Free Era podcast988 Suicide & Crisis LifelineHeather Jarvis, Student Loan Expert Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletter Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Public Service Loan Forgiveness could look very different if the new proposed rules move forward. The Trump administration is exploring ways to strip PSLF eligibility from employees of organizations the administration doesn't like. That could mean hospitals, nonprofits, or legal aid groups suddenly losing access to forgiveness — with no way for employees to appeal. We also get into ongoing rulemaking around professional degree borrowing limits and repayment plan updates, plus smart moves for refinancing or managing your mortgage. Key moments: (01:15) The four main categories that could determine loss of PSLF eligibility (08:38) Negotiated rulemaking and new borrowing limits for professional degrees (12:27) When refinancing your student loans or mortgage makes sense (18:14) Your 2025 tax returns will be very important for income-driven repayment Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletter Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

The AFT lawsuit settlement with the Department of Education is one of the biggest updates in months for borrowers on income-driven repayment. You’ll learn how this settlement unfreezes stalled forgiveness applications, who’s protected under the new rules, and the key deadlines you can’t afford to miss. I also explain why the 2026 “tax bomb” is back and what you can do now to prepare for it. Key moments: (00:57) What the AFT lawsuit forced the Department of Ed to fix (02:43) How PAYE and IBR borrowers can finally get forgiveness processed (05:57) The 2026 tax bomb: what’s coming and how to plan for it (07:02) The urgent deadline for Parent PLUS borrowers before July 2026 (13:27) Upcoming rule changes that could reshape repayment options Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletter Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Worried PSLF Buyback might vanish before you qualify? Let’s dig into the Public Service Loan Forgiveness (PSLF) Buyback program — how it works, why it exists, whether it’s likely to stick around, and how to position yourself if the rules change. You’ll also hear my take on listener questions covering repayment plans SAVE vs. IBR, joint vs. separate taxes, and why sometimes “die with the debt” really can be a strategy. Key moments: (00:44) How PSLF Buyback works, when you can apply, and why politics could shape its future (06:06) The growing backlog of applications and the risk of counting on Buyback approval (10:28) How to choose between SAVE, PAYE, and IBR repayment plans (14:22) When a “die with the debt” strategy makes sense in retirement (17:50) How to handle income recertification after a job change Resources mentioned: Certify your PSLF employmentRecertify or update income-driven repayment Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletter Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

When someone asks whether a certain degree is “worth it,” there’s finally some data to answer that. We analyzed debt-to-income ratios across dozens of professions from our survey of over 8,000 high-income professionals, and the results tell a pretty clear story about who’s managing student debt well — and who’s getting squeezed. I’ll also share a few thoughts on what these numbers mean in real life, like how income, housing costs, and lifestyle choices play into long-term financial outcomes. Key moments: (01:56) Professions with the lowest debt-to-income ratios and why practicality beats prestige (05:37) The hidden stress gap between generalists and specialists in healthcare and dentistry (09:05) Why certain degree programs may be setting students up to fail financially (13:06) Who’s building the most wealth relative to income (14:47) Spending patterns that separate comfortable from stressed-out professionals Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletter Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Feeling anxious about where your career's headed? You're definitely not alone. We surveyed over 8,000 high-income professionals and asked what's keeping them up at night about their profession in 2025. The answers were eye-opening — but also pretty relatable. We’re covering the top 10 fears that come up again and again. If you're a doctor, dentist, lawyer, or another high-earning professional, chances are you'll see yourself in at least a few of these concerns. Key moments: (01:26) Rising education costs and massive debt loads are crushing high-income professionals (09:15) Rural practice bring in more money due to high competition in urban areas (20:06) Compassion fatigue is burning out professionals at alarming rate (24:59) Clients may not value a professional’s expertise when free AI seems “good enough” Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletter Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Ever wondered how your income and student debt stack up against others in your field? We’re dropping the results from our biggest survey yet – over 8,000 high-income professionals spilled the tea on their finances, and some of these numbers are pretty eye-opening. Find out which careers are getting crushed by student loans and which ones are actually coming out ahead. Plus, we discuss the coming changes in student loan borrowing limits and what they mean for your career, your wallet, and even the future of professional education. Want to know where you stack up? Tune in. Key moments: (02:24) Naturopathic doctors have the worst debt to income ratio of any profession that we surveyed (04:44) Dental specialists average $414K in income and $500K in student debt, a debt-to-income ratio of 1.2:1 (07:19) CRNAs and physicians have surprisingly similar average salaries according to our data (14:18) Schools can't magically replace lost tuition when borrowing limits block enrollment (19:10) Nonprofit hospitals may struggle to retain doctors under new student loan lending rules Resources mentioned: Ron Lieber's book and course on college merit aid and discounting Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletter Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Join us for a special live recording from FinCon as we pull back the curtain on what’s happening with student loans right now. We're talking about the current state of federal programs, what's working, what's not, and where things might be headed — especially for those of you dealing with big debt loads from professional and graduate programs. If you're a doctor, lawyer, or other high-earning professional trying to make sense of all the policy changes and figure out your best repayment strategy, this behind-the-scenes conversation will give you some clarity on what to expect and how to navigate your options moving forward. Key moments: (01:33) Payment counts will likely be wrong, requiring borrowers to self-advocate for corrections (03:53) Without SAVE, deciding when to repay student loans vs. going for forgiveness is more complex (11:52) Confusing times ahead as borrowers navigate between old grandfathered rules and new regulations to figure out which rule sets apply to them Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletter Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

The new 30-year Repayment Assistance Plan (RAP) could be the only option for federal student loans after July 2026 — but even current borrowers aren’t safe if they don’t take action. Discover what moves to make to avoid getting stuck with decades of payments. Also, learn about new rules affecting Parent and Grad PLUS loans. If facing 30 years of student loan payments sounds brutal, this episode is for you. Key moments: (02:54) The new $200k loan cap means high earners will likely pay off loans before getting forgiveness (05:44) Education has become a defining fault line between the two political parties (14:55) Grad schools might start using undergrad-style aid talks for tuition and discounts. (18:08) A wave of confusion is on the horizon for borrowers, peaking in April 2026 Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletter Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

There’s a controversial and urgent topic we have to talk about: the massive upheaval headed for graduate and professional education financing starting in the fall of 2026. With the recent passage of the “One Big Beautiful Bill Act,” federal borrowing for graduate programs will be drastically limited — meaning schools and students are about to face a world of change. Learn what these new federal borrowing caps could mean for your finances, your career plans, and the future of higher ed. We’ll discuss the risk of many degree programs closing, and share ways borrowers like you can prepare. Key moments: (01:25) Federal loan limits for new med students drop to $50k annual, $200k lifetime (09:36) Which programs are likely going to be the hardest hit from these federal loan caps (17:19) RAP doesn’t provide a path to forgiveness for physicians in the private sector at all (21:26) Lawmakers may rethink the cap when they see the actual economic consequences Like the show? There are several ways you can help! Follow onApple Podcasts,SpotifyorAmazon MusicLeave an honest review onApple Podcasts newsletter Feeling helpless when it comes to your student loans? Try ourfree student loan calculatorCheck out ourrefinancing bonuseswe negotiatedBook yourcustom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!