Blog — PSLF, IDR & Advisor Insights | Finology Software

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NEW

OBBB-compliant, Repayment Assistance Plan (RAP) is live in the simulator

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For Financial Advisors

The Student Loan Complexity Wall: Where Free Calculators Stop Working

Free calculators are fine for one borrower with one loan. When two spouses both carry federal debt, federal rules require one combined payment split…

Finology Software September 2, 2026 6 min

A stale plan looks exactly like a fresh one. Your March upload is a photograph; client-maintained data stays current, and it is free.

For Financial Advisors

Your Client’s Plan Is Only as Current as Your Last Upload

Finology Software September 2, 2026 6 min

Student loan forgiveness is taxable again. The exclusion expired December 31, 2025. Timeline showing 2021 to 2025 tax-free and 2026 onward taxed, with PSLF still tax-free.

For Financial Advisors

Student Loan Forgiveness Is Taxable Again. Here Is What It Costs.

Finology Software September 1, 2026 5 min

Parent PLUS: one door left, and it closes in 2028. RAP, IBR and PAYE struck through; ICR remains open.

For Financial Advisors

Parent PLUS After July 1, 2026: What Is Actually Left

Finology Software August 27, 2026 6 min

Build or buy after AI. The build is a weekend, the maintenance is forever. Chart showing build cost collapsing while maintenance cost stays flat.

For Financial Advisors

AI Made Niche Software Worth Owning

Alex Bottom August 25, 2026 7 min

One new loan closes the door: what a fall disbursement takes off the menu. REPAYE, PAYE and ICR struck through; IBR and RAP remain. Finology Software.

For Financial Advisors

One New Loan This Fall Rewrites Your Client’s Plan Menu

Finology Software August 24, 2026 6 min

Which payment counts for PSLF when your servicer and StudentAid.gov disagree. Finology Software, for borrowers.

Borrower Guides

Your Servicer and StudentAid.gov Disagree on Your Payment. Which One Counts for PSLF?

Finology Software August 21, 2026 6 min