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.
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.
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.
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.
The Student Loan Interest Deduction in 2026: What Your Clients Can Still Claim
The 2026 student loan interest deduction, plain: the $2,500 cap, the new income limits, and the one filing choice that erases it. What advisors should flag.
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.
A Control Your Diligence Team Can Inspect: How We Separate Arithmetic from Assumptions
This is the third in a short series. The first piece described the self-checking AI loop we built; the second showed what that precision looks like in an advisor’s client meeting. This one is for the people who have to approve a vendor before any of that reaches a client: the risk, compliance, and diligence […]
The Numbers an Advisor Can Stand Behind: RAP, the New Standard, and PSLF, Done Right
We recently wrote about the self-checking loop we built to hold federal student loan math exact to the cent. That piece was about the engine. This one is about the meeting, because the only place precision matters is across the table from a client. Here is what it looks like when the math is something […]