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.
How Federal Student Loans Actually Get Made Starting July 1, 2026
The Borrowing Sequence Your Clients Don’t Know About Yet There is no “50% cap” on federal student borrowing under the One Big Beautiful Bill Act. The phrase appears in financial press summaries and advisor cheat sheets because at some cost-of-attendance levels the math works out that way, but the actual policy is not a percentage […]
The Parent PLUS Cliff: The June 2028 Deadline That Still Matters
The June 30, 2026 consolidation deadline has passed. If a Parent PLUS borrower did not have a Direct Consolidation Loan disbursed on or before that date, income-driven repayment is now closed to them permanently. There is no recovery path and no appeal. If they did consolidate in time, they have exactly one deadline left, and […]
The OBBB Era: Multigenerational Student Loan Planning
When student loan repayment resumed once again, millions of households found themselves navigating a patchwork of repayment plans, changing servicers, and new tax implications. This period marked a turning point for financial planners, revealing that education debt isn’t just a personal finance issue, it’s a family wealth planning issue. For decades, education financing decisions were […]
Student Loan Forgiveness Delayed, Interest Resumes: What Advisors Must Know in August 2025
Editor’s note, August 2026. This post reported the situation as it stood in July 2025 and is kept for the record. Much of it has since been overtaken: the SAVE plan was vacated by the Eighth Circuit on March 10, 2026 and no longer exists, the Repayment Assistance Plan became the default on July 1, […]