The SAVE Deadline Is September 29. Here Is What Happens If You Miss It
Miss your 90-day window and you are placed on the Standard plan automatically. For a typical borrower that is $512 a month instead of $250. The surprising part: over the life of the loan, the plan you get by default can cost less. What you lose is the choice.
Does RAP Qualify for PSLF?
Does RAP count for PSLF? Here is how the new Repayment Assistance Plan works with Public Service Loan Forgiveness after July 1, 2026.
RAP vs IBR vs PAYE: Which Plan Costs Less in 2026
Comparing RAP vs SAVE, PAYE, and IBR after July 1, 2026? Here is how the income-driven plans differ and how to pick the right one.
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.