The SAVE Deadline Is September 29. Here Is What Happens If You Miss It
Miss your 90-day window and you are placed on the Standard plan automatically. For a typical borrower that is $512 a month instead of $250. The surprising part: over the life of the loan, the plan you get by default can cost less. What you lose is the choice.
PSLF Buyback Does Not Cover RAP Months. Here Is What Your Client Loses.
PSLF buyback cannot recover deferment or forbearance months spent on the Repayment Assistance Plan. The regulation excludes RAP from both the automatic credit path and the paid one.
Federal Exit Counseling Checks a Box. Advisors Build the Repayment Plan.
Exit counseling is required, generic, and ends without a number. Here is the gap it leaves and the four-step play that closes it.
Put a RAP-correct student loan calculator on your website, free on every plan
Most repayment calculators on the internet still show SAVE and hide RAP. You can put a rules-current one on your own site, free on every plan.
Your Clients Ask ChatGPT First. Here Is What It Cannot Sell.
Clients ask ChatGPT before they call you. Advisors win by selling what it disclaims: a license, a fiduciary duty, and computed numbers.
Can You Trust ChatGPT With Your Student Loans?
AI chatbots answer more money questions than any advisor alive, and they make mistakes. Here is how to verify an AI answer before you act on it.
9 Million Borrowers Are in Default. Your Clients Are in That Number.
Federal defaults just hit a record 9 million borrowers. Why it is happening, why it is an advisor moment, and the one move to make this quarter.
Your Pipeline Is Full of Parents Whose Kids Went to College and Still Live at Home
Look at your book. A large share of your clients are parents, and a large share of those parents have an adult child who did everything right. Finished school, went to college, took on the debt everyone said was the smart bet, and still ended up back in their childhood bedroom. At the peak of […]
RAP Is Live. For Older Borrowers, the 30-Year Clock Is the Whole Conversation.
The Repayment Assistance Plan opened July 1, 2026. Its 360-month forgiveness timeline changes the math for clients near retirement. Here is how to frame it.
RAP Is the Default. For Your Best Clients, It’s the Wrong Plan.
On July 1, RAP became the default income-driven plan. For high earners and PSLF-track clients, the default is often the expensive choice. Here is how to spot the gap before your clients lock in.