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.
Do Student Loans Affect Buying a House? How Lenders Count Your Payment in 2026
Yes, but through your debt-to-income ratio, not your balance. See exactly which student loan payment FHA and Fannie Mae count in 2026, with a parity-verified payment table.
Does Changing Jobs Reset PSLF Progress?
No. PSLF payments need not be consecutive, so time at a nonqualifying employer does not erase the count. What actually costs borrowers forgiveness is timing the final form and the plan they drift into.
What Happens If You Don’t Recertify Your Student Loan Income?
Miss your IDR recertification and your payment stops being income-based: it jumps to the 10-year Standard amount. Verified RAP vs Standard numbers and how to fix it fast.
Can’t Afford Your Student Loan Payment? Your 2026 Options
Missed a payment or about to? Switching repayment plans usually beats pausing. Here is what deferment, forbearance and income-driven plans actually cost you in 2026, with verified numbers.
How Does Family Size Affect Student Loan Payments in 2026? RAP’s $50 Rule vs the Poverty Line
RAP subtracts a flat $50 per dependent. IBR runs family size through the poverty line. Same client, two different numbers. Verified 2026 figures inside.
Did the New PSLF Employer Rule Take Effect? What Advisors Need to Know
A federal court vacated the PSLF employer eligibility rule on June 30, 2026, one day before it was due to take effect. Here is what still applies, and the July 1 changes that survived.
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.
Deferment vs Forbearance: Which One Actually Costs You Less in 2026?
Deferment vs forbearance in 2026: how interest, capitalization, and forgiveness credit differ, and why a low RAP payment often beats pausing entirely.
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.