The Parent PLUS Cliff: Who Has Until June 30, and What Happens If They Miss It
Parent PLUS borrowers who do not have a Direct Consolidation Loan disbursed before July 1, 2026 lose permanent access to income-based repayment. Not “until they fix it.” Permanently. Income-Contingent Repayment (ICR) sunsets June 30, 2028. The Repayment Assistance Plan (RAP) that replaces most federal repayment options on July 1, 2026 explicitly excludes Parent PLUS and […]
RAP Is Live in the Simulator: Finology Software Is OBBB-Compliant
The Repayment Assistance Plan (RAP) is now live in the Finology Software Federal Loan Simulator. Advisors can model it today, well ahead of the July 1, 2026 transition that reshapes federal student loan repayment under the One Big Beautiful Bill Act. This is the change that matters most for any advisor with federal-loan clients. Beginning […]
The OBBB Era: Multigenerational Student Loan Planning
When student loan repayment resumed once again, millions of households found themselves navigating a patchwork of repayment plans, changing servicers, and new tax implications. This period marked a turning point for financial planners, revealing that education debt isn’t just a personal finance issue, it’s a family wealth planning issue. For decades, education financing decisions were […]
Finology Software Now Integrated with INVENT: Expanding Access to Powerful Student Loan Repayment Planning
Finology Software, the leading end-to-end software solution for financial professionals offering student loan advice, is now also available through a new integration with INVENT®, the AI ready data ecosystem designed to bring all of the most critical software solutions together in a single “Golden Record” designed specifically for wealth managers. This integration underscores Finology Software’s […]
Multigenerational Student Loan Planning: A New Era for Financial Advisors
Across the country, financial planners are seeing a rapid shift in how families approach higher education and long-term financial strategy. For the first time in modern U.S. history, multigenerational dynamics sit at the center of financial planning and student loans are one of the primary drivers. As federal repayment resumes and new regulations take shape, […]
Finology Software and the Student Loan Help Network Together on the AFO Wealth Management Forward Podcast
Student loan debt affects families, professionals, and even retirees with over $1.7 trillion in federal student debt and millions of Americans navigating a years-long journey. Innovative advisors are helping their clients successfully manage this obligation. Recently, Finology Software founder Alex Bottom and Student Loan Help Network founder Ryan Galiotto joined Rory Henry on his podcast, […]
Share the Power of Finology Software: Earn a $50 Amazon Gift Card
At Finology Software, our growth has always come from advisors helping advisors, sharing ideas, insights, and better ways to serve clients navigating student loan repayment. If you’ve found value in using Finology Software, we’d love your help spreading the word. As a thank-you, you’ll receive a $50 Amazon gift card for every peer you refer […]
The 2026 Reality: What Higher Earners Need to Know About Student Loan Repayment Under RAP
Beginning July 1, 2026, the new Repayment Assistance Plan (RAP) will simplify income-driven repayment by consolidating multiple federal programs into one unified structure. While this change is designed to streamline repayment for most borrowers, it also creates a classic repayment scenario for others, where the full balance will be paid off, and the primary goal […]
Why Free Student Loan Calculators and Spreadsheets Won’t Build Your Practice And What Will
Student loan repayment planning is now a 30 year journey. Is your firm in it for the long haul or just trying to get by with makeshift tools? The Problem With Free Tools Free calculators, spreadsheets, or “quick hacks” may seem convenient at first. They’re fast, cheap, and easy to access. They’re also disconnected and […]
How the OBBB Bill and RAP Are Reshaping Student Loan Planning for Advisors
A New Era in Student Loan Repayment: RAP Is Coming In July 2026, federal student loan repayment will undergo its biggest overhaul in decades. The OBBB (One Big Beautiful Bill) of 2025 introduces the new Repayment Assistance Plan (RAP), which will become the mandatory default income-driven repayment plan for most borrowers. At the same time, […]