Should I Consolidate My Student Loans?

For most borrowers, no. Consolidation will not lower your rate, and it no longer resets your forgiveness clock. But consolidating a Parent PLUS loan permanently locks you out of RAP.

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 […]

Is Forgiven Student Loan Debt Taxable in 2026? What Advisors Need to Know

Starting in 2026, income-driven and RAP forgiveness is federally taxable again. PSLF stays tax-free. Here is what advisors should tell clients now.

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.

RAP vs SAVE: What SAVE Borrowers Should Do in 2026

SAVE is ending and its forbearance is running out. See whether RAP or IBR is the cheaper landing spot, and how to switch without losing forgiveness credit.

RAP vs PAYE: Switch Now or Ride Out the 2028 Sunset?

PAYE closed to new borrowers on July 1, 2026 and sunsets in 2028. Verified numbers show who should switch to RAP now and who should keep PAYE while it lasts.

RAP vs IBR: Which Repayment Plan Costs Less in 2026?

RAP or IBR in 2026? Verified payment math shows RAP wins under about $80,000 for single borrowers, IBR wins above it, and the answer flips again for the older 15% cohort.

How to Switch to RAP (Step-by-Step, 2026)

How to switch to the new Repayment Assistance Plan (RAP) in 2026: who should switch, the step-by-step enrollment process on studentaid.gov, when consolidation applies, and what to do after.