The Student Loan Complexity Wall: Where Free Calculators Stop Working
Free calculators are fine for one borrower with one loan. When two spouses both carry federal debt, federal rules require one combined payment split by debt share, and every consumer tool gets it wrong by roughly double.
Your Client’s Plan Is Only as Current as Your Last Upload
A stale projection looks exactly like a fresh one. How a free client portal makes the borrower the source of truth, and shows you which numbers have aged.
Student Loan Forgiveness Is Taxable Again. Here Is What It Costs.
The American Rescue Plan exclusion expired at the end of 2025. Forgiveness is ordinary income again, and the bill is assessed at the income your client will have, not the one they have now.
Parent PLUS After July 1, 2026: What Is Actually Left
A Parent PLUS loan on its own has no income-driven option. Consolidating unlocks ICR and nothing else, and that door closes in 2028.
AI Made Niche Software Worth Owning
Building got cheap. Maintaining did not. Why financial firms rebuilding their biggest platforms are missing the software they should be buying.
One New Loan This Fall Rewrites Your Client’s Plan Menu
A Direct Loan disbursed on or after July 1, 2026 permanently closes REPAYE, PAYE and ICR. It does not close IBR, and the real damage is which IBR your client gets.
Clients Still on SAVE: The 90-Day Playbook
SAVE is vacated and the 90-day clocks are running. The advisor decision tree, and why doing nothing lands clients on Standard, not RAP.
How to Choose Student Loan Repayment Software: An Advisor’s Buying Guide
What student loan repayment software does, the features that matter after July 1, 2026, and how advisors should evaluate accuracy before trusting a tool with client numbers.
RAP or IBR? The Decision Framework for Clients Who Still Have a Choice
Engine-computed income bands showing where RAP beats IBR by household type, plus the four modifiers that override the monthly payment.
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.