Is Forgiven Student Loan Debt Taxable in 2026? What Advisors Need to Know

Starting in 2026, income-driven and RAP forgiveness is federally taxable again. PSLF stays tax-free. Here is what advisors should tell clients now.

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 vs SAVE: What SAVE Borrowers Should Do in 2026

SAVE is ending and its forbearance is running out. See whether RAP or IBR is the cheaper landing spot, and how to switch without losing forgiveness credit.

RAP vs PAYE: Switch Now or Ride Out the 2028 Sunset?

PAYE closed to new borrowers on July 1, 2026 and sunsets in 2028. Verified numbers show who should switch to RAP now and who should keep PAYE while it lasts.

RAP vs IBR: Which Repayment Plan Costs Less in 2026?

RAP or IBR in 2026? Verified payment math shows RAP wins under about $80,000 for single borrowers, IBR wins above it, and the answer flips again for the older 15% cohort.

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.

How to Switch to RAP (Step-by-Step, 2026)

How to switch to the new Repayment Assistance Plan (RAP) in 2026: who should switch, the step-by-step enrollment process on studentaid.gov, when consolidation applies, and what to do after.