The Student Loan Interest Deduction in 2026: What Your Clients Can Still Claim
The 2026 student loan interest deduction, plain: the $2,500 cap, the new income limits, and the one filing choice that erases it. What advisors should flag.
9 Million Borrowers Are in Default. Your Clients Are in That Number.
Federal defaults just hit a record 9 million borrowers. Why it is happening, why it is an advisor moment, and the one move to make this quarter.
RAP Payments by Income: The Full Table, and the Cliffs Your Clients Will Hit
The complete Repayment Assistance Plan payment schedule by income, plus the bracket cliffs where a small AGI change raises a client’s monthly payment by hundreds.
Why RAP Balances Go Down: The Interest Waiver and the $50 Principal Match
Under RAP, on-time payers stop watching their balance grow. Here is how the interest waiver and the $50 monthly principal match work, with the numbers advisors can show clients.
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.
How to Apply for 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.
RAP Payment Calculator: What You Will Pay
Estimate your RAP payment under the new Repayment Assistance Plan starting July 1, 2026, then see your real number with verified math.