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.
Deferment vs Forbearance: Which One Actually Costs You Less in 2026?
Deferment vs forbearance in 2026: how interest, capitalization, and forgiveness credit differ, and why a low RAP payment often beats pausing entirely.
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.
How to Tell If Your Program Will Still Qualify for Federal Student Loans
A new federal rule ties a program’s access to federal Direct Loans to what its graduates earn. Here is what it measures, who it affects, when it starts, and what to do.
Employer Student Loan Repayment Is Now Permanent. Here Is What It Does to a RAP Payment.
Employers can pay $5,250 a year toward an employee’s student loans tax free, permanently. Verified numbers on what it does to RAP payments, PSLF credit, and the interest deduction.
Credit Card Hardship Programs: What Happens When You Finally Answer the Bank’s Call
The bank keeps calling about your credit card. Here is what a hardship program actually is: a lower fixed rate, one payment, and a real payoff date. On $30,000, it can mean paying $4,799 in interest instead of $66,300.
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.
Should Medical Students File Taxes? Why a $0 Return Can Mean $0 Loan Payments
Most medical students skip filing taxes because they owe nothing. That skipped return can be the difference between $0 loan payments in residency and hundreds a month.
Does Married Filing Separately Still Lower Student Loan Payments Under RAP?
Yes. Under RAP, filing taxes separately keeps a spouse’s income out of the payment. See a parity-verified table and when the lower payment actually costs more.