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, […]
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 […]
Student Loan Forgiveness Delayed, Interest Resumes: What Advisors Must Know in August 2025
Millions of borrowers are stuck in limbo with rising balances and delayed relief as new changes take hold. IBR forgiveness is paused, SAVE Plan interest resumes August 1, and processing delays are piling up. Advisors need to act now to reassess repayment strategies and protect client progress. Finology Software makes it easy to identify impacted […]