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Education Podcasts

Travis helps you navigate the insane world of student loans, especially if you owe $20,000 to $1 million. If you've ever spent too much time on the phone with your loan servicer, this is the show for you. Every week we share tips on loan forgiveness, investing, crushing debt, and how to get to financial freedom when you owe more than most people's mortgage.

Location:

United States

Description:

Travis helps you navigate the insane world of student loans, especially if you owe $20,000 to $1 million. If you've ever spent too much time on the phone with your loan servicer, this is the show for you. Every week we share tips on loan forgiveness, investing, crushing debt, and how to get to financial freedom when you owe more than most people's mortgage.

Language:

English

Contact:

8505728911


Episodes
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Reflections on 9 Years of Helping Borrowers

11/11/2025
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!

Duración:00:41:22

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PSLF Employer Bans + New Regulations Coming Out

11/4/2025
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!

Duración:00:19:45

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Who Has To Worry After the AFT Lawsuit Settlement?

10/28/2025
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!

Duración:00:16:08

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Will PSLF Buyback Actually Last?

10/21/2025
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!

Duración:00:23:35

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The 5 Tiers by Profession for Debt to Income Ratio

10/14/2025
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!

Duración:00:19:26

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Top 10 Fears People Have About the Future of Their Profession

10/7/2025
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!

Duración:00:29:33

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What’s the Best Profession for Big Incomes vs. Student Loan Balances? (Survey Results)

9/30/2025
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!

Duración:00:25:40

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Behind the Scenes: Live from FinCon 2025

9/23/2025
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!

Duración:00:16:21

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Will Some Folks Get Stuck with 30-Year IDR?

9/16/2025
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!

Duración:00:20:17

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Will 50% of All Grad Programs Close?

9/9/2025
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!

Duración:00:28:49

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What is the Student Loan Refi Ladder Strategy?

9/2/2025
The student loan refi ladder is a clever strategy that’ll help you tackle your debt without wrecking your cash flow. We haven’t talked about this much in recent years because of student loan payment and interest pauses, but with the One Big Beautiful Bill Act stripping protections from federal student loan borrowers, now is the time to decide between loan forgiveness and refinancing. This episode will help you decide if refinancing — and the refi ladder — is right for you, or if forgiveness is the better path. Key moments: (07:55) Who should consider refinancing (and who shouldn’t) (15:14) If you’re convinced that paying off your student loans is best, here’s what to do first (17:27) Why the refi ladder strategy helps (25:42) Overly aggressive payments may hurt your chances for a mortgage or other big purchases 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!

Duración:00:34:28

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The Unfortunate Reason Why Your Salary Will Probably Go up a Lot This Decade

8/26/2025
Big shifts are coming to student loans starting July 2026. If you’re carrying six figures of debt or even thinking about grad school, you’ll definitely want to hear this one. Unlimited loans are out, so pricey grad programs might not be as easy to join. Sounds scary, right? But this shift could actually work in your favor. Fewer students funneled into certain careers could mean bigger salaries and steadier job security for those who do make it through. Learn what these changes could look like for you, your school, and your paychecks down the road. Key moments: (02:49) Loan borrowing caps for students starting grad programs after July 2026 (14:08) We may see grad schools offering discounts, much like undergrad tuition discounting (17:27) Schools dependent on higher federal loan limits may be forced to close their doors (18:24) Parent PLUS borrowers must be careful about borrowing before July 2026 (23:27) Affordable in-state and public programs will see a flood of new applications and competition 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!

Duración:00:25:31

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How Much Do Big Ticket Items Cost When You’re Doing Forgiveness?

8/19/2025
Ever stop and think about how much that new car, kitchen remodel, or shiny toy really costs you — not just in dollars, but in hours, days, or even months of your life? We’re digging into what big-ticket spending looks like when you’re on an income-driven repayment plan that’s already taking 10–15% of your paycheck. We’ll show you how to reframe those purchases, so instead of just seeing the sticker price, you see the true impact on your time and future. We’ll talk about ways to cut back smartly, snag tax deductions where you can, and still enjoy the things that make you happy… all without derailing your long-term goals. You might love your job or just be pushing through to the next milestone, and either way, this conversation will help you rethink what’s worth it, what’s not, and how to keep more peace (and cash) in your pocket. Key moments: (03:07) Buying stuff to numb the pain of a job you don't like only steals more of your time (04:52) Sometimes big renovations are a band-aid for deeper stress or emptiness (06:24) Control housing and car costs, and most financial stress will melt away 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!

Duración:00:08:33

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Mega Listener Mailbag Q&A

8/12/2025
Over the past few weeks, we’ve been collecting your questions, and wow… you did not hold back. We’re answering as many as we can fit in one episode, covering topics like forgiveness deadlines, confusing recertification rules, and loan servicers who seem to speak in riddles. You’ll hear from people on the brink of PSLF forgiveness, parents in the middle of tricky Parent PLUS double consolidations, and grads wondering if they should act now or wait. If you’ve been wondering what to do next with your loans, there’s a good chance we’ll hit on something that helps you figure it out. Key moments: (09:25) Will the Big Beautiful Bill impact incoming students in August 2025, or only those who begin in the academic year 2026? (16:18) Why is my interest growing when MOHELA said it would be 0%? (28:01) Borrowing after July 2026 locks you into the RAP plan, but you could still qualify for PSLF (37:44) What happens when your employer refuses to certify qualifying PSLF work (46:36) The one scenario where paying extra on student loans makes sense (51:08) How to push your case forward after long delays from your servicer Resources mentioned: File an FSA complaint Escalate issues to the FSA Ombudsman Group Reach out to your local representative or senator Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom 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!

Duración:00:57:30

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Existing Borrowers are Okay. Future Ones I’m Worried About

8/5/2025
After months of student loan chaos, there’s clarity: If you’re already borrowing, you’ll probably be okay, though keep an eye out for some plan changes. But for anyone planning to borrow after July 2026, the picture gets a lot murkier. Higher payments, tighter loan limits, and longer repayment terms could reshape graduate and professional education in ways we haven’t seen before. Learn why most current borrowers can breathe a little easier, what changes are coming for Parent PLUS and grad school loans, and why future students may need to rethink their strategies altogether. We also explore how schools themselves might have to adapt, and what this could mean for high-cost programs in dentistry, medicine, pharmacy, and law. Key moments: (5:19) Active students can continue borrowing until 2026 and for three more years beyond (09:20) Parent PLUS loans borrowed after July 2026 won’t qualify for any affordable IDR plan (13:27) Universities may see faculty cuts tied to falling enrollment once borrowing limits change (17:19) Borrowing limit changes likely won’t be revisited until mid-2027 at the earliest (23:13) There’s nothing to worry about right away — no loan rule changes take effect before July 2026 Resource mentioned: The Price You Pay for College by Ron Lieber 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!

Duración:00:29:50

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Reflections on the SAVE Forbearance Ending

7/29/2025
The SAVE plan’s payment forbearance is supposed to stick around through 2028, but that’s looking unlikely. Here’s why we think the clock’s ticking on SAVE, what the latest lawsuit could mean for the plan’s future, and how new legislation is tightening the rules on forbearance across the board. You’ll find out what this shift means if you’re currently on SAVE, what counts (and what doesn’t) during this forbearance period, and what you need to know now to help you avoid surprises later. It’s a confusing time for borrowers, but this episode gives you a clearer path forward. Key moments: (04:54) Why almost nobody should stay in SAVE forbearance after August 1st (10:08) Don’t panic about the “Big Beautiful Bill” changes — it isn’t great, but it’s not a total disaster either (12:33) Parent PLUS borrowers may lose access to affordable repayment options after July 2026 (15:35) Why tax-smart income strategies matter more than ever 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!

Duración:00:21:57

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What We Think Comes Next for Borrowers (with Special Guest Stanley Tate)

7/22/2025
Student loan lawyer Stanley Tate joins us to tackle the big question we’re all asking: what’s actually happening with student loans right now? We’re exploring the latest legislative changes, what they mean for your repayment strategy, and why Parent PLUS borrowers are especially freaking out. We talk through everything from the COVID payment chaos we all lived through to the potential collapse of graduate programs and the emotional toll of student debt policy. What you’ll walk away with is information you can use, not just more anxiety. Whether you’re strategizing payments or just trying to stay sane, this episode helps you navigate what’s coming next. Key moments: (04:52) Future borrowers will see hard caps on how much they can borrow (09:11) Parent PLUS borrowers must get on an income-driven repayment plan by July 2026 (13:55) Should SAVE borrowers hold on or switch? We share our strategies (25:47) Resources to manage student debt exist, but you have to choose action over ignoring the problem (31:47) Our predictions for what happens to graduate programs moving forward (39:20) Student loans aren't a "set it and forget it" type of debt Resources mentioned: Connect with Stanley Tate 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!

Duración:00:44:59

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End of the SAVE Forbearance

7/15/2025
If you’ve been riding the SAVE Plan forbearance wave, a big shift is headed your way. The Department of Education announced that the SAVE forbearance will officially end on August 1, 2025. That means interest starts ticking again, and borrowers will be pushed to switch repayment plans. Most will be steered toward the old Income-Based Repayment (IBR) plan, especially with the One Big Beautiful Bill Act set to overhaul everything in July 2026. But you’ve still got options. Find out what the end of SAVE forbearance means for your loans, what the government is recommending (and why), and how you can make the smartest move for your student loans. Key moments: (04:01) Choosing between IBR and RAP depends on PSLF status, years in repayment, and forgiveness goals (07:46) PSLF isn’t dead: why potential policy reversals don’t mean your forgiveness plan is doomed (09:41) When paying off your loans might actually make more sense (and how to get a lower interest rate) (14:50) After years of chaos, borrowers just want stable rules so they can actually plan their lives 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!

Duración:00:16:34

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What the One Big Beautiful Bill Act Means for You

7/8/2025
Some parts of the One Big Beautiful Bill Act are pretty rough for borrowers, but believe it or not, it could’ve been way worse — you can thank the Senate parliamentarian for blocking the worst of it. We’ll walk you through what’s changing, what’s staying the same, and what you need to start planning for now. This is your clear, practical guide to understanding how the bill will affect your wallet and the conversations you’ll need to have with your partner, financial planner, or school’s aid office. Key moments: (03:40) The math of student loans becomes very complicated for borrowers starting fall 2026 (11:39) Grad school closures and layoffs could mean higher salaries for remaining professionals (14:22) Families face tough choices as expensive colleges become harder to finance (18:56) How you file taxes continues to shape your student loan payment strategy under new rules 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!

Duración:00:25:52

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Senate Parliamentarian Drops a Bombshell Ruling

7/1/2025
“Senate parliamentarian” isn’t exactly a household name, but her latest ruling is huge news for anyone with student debt. Learn what her surprise decision means for the Big Beautiful Bill Act and how it could shape repayment plans and forgiveness programs. You’ll find the specifics of what this means if you’re a Parent PLUS borrower, in dental and medical school, or just worried about how these policy shifts could affect your financial future. We’ll take you beyond the political noise and cut through the confusion to give you actionable info you can use. Key moments: (02:32) The current bill would essentially kick a lot of people who need to borrow after July 2026 onto the RAP plan (05:21) Future students deserve clear repayment rules upfront, not changes mid-degree like the Senate is proposing (08:45) Anybody who's ever had a parent plus loan needs to apply for the ICR plan (11:20) PAYE borrowers must be prepared to get switched to the old IBR or possibly the RAP plan (15:48) Different borrowers should take different approaches while legislation is pending Resource mentioned: IDR Plan Request at Studentaid.gov 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!

Duración:00:21:12