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
The Finology Software embeddable loan and SAI calculators are now free on every plan. Add a RAP-correct calculator to your firm website with one line of code.
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.
There Was No Go-To Student-Loan Tool in 2018. Then the Rules Got Rewritten.
In 2018, back when most financial-planning software treated student loans as an afterthought wedged between insurance and estate, Kitces.com published the guide the niche didn’t know it needed: “Best Student Loan Planning Software For Financial Advisors.” It walked through the tools advisors actually had, gave real credit to the rise of the Certified Student Loan […]