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Latest Posts in Michael P. Lux, Esq.

Student loan expert Michael Lux created The Student Loan Sherpa in 2013. Insight from Michael has been featured in US News & World Report, Forbes, The Wall Street Journal, and numerous other online and print publications.
borrower jumps at low interest rate opportunities in 2025

The Best Student Loan Refinance Rates for March 2025

As inflation has slowed, student loan interest rates have also lowered. Borrowers with higher interest rate loans may find the current options particularly appealing.

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Splash Student Loan Consolidation Review

Splash Financial Student Loan Refinance Review

Splash Financial is currently the top rated refinance lender on the market, but that doesn’t mean Splash is a good idea for all borrowers.

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Details on GOP considerations to change borrower policy

GOP Considers Far-Reaching Student Loan Policy Changes

New Republican Plan Targets Loan Forgiveness and IDR Programs. Major reforms could reshape future borrower options and limit college access.

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Borrowers shouldn't panic with student loan planning.

Assuming the Worst About Student Loans Could Be an Expensive Mistake

Despite political posturing, major overhauls to established programs face significant hurdles. Avoiding panic-driven decisions can save you money and stress.

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Earnest Student Loan Refinance Review

Earnest gets a 4/5 rating due to excellent interest rates and high borrower satisfaction. However, some borrowers will want to avoid Earnest.

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police officer

Student Loan Repayment for Law Enforcement: Forgiveness, Refinancing & More

Serving your community may come with many student loan perks like repayment assistance and public service student loan forgiveness.

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The 8 Best Student Loan Forgiveness Programs Ranked

No matter where you work or how much you make, there are paths to student loan forgiveness.

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sofi vs elfi refinance comparison

SoFi vs ELFI Student Loan Refinance Comparison

SoFi® is the biggest name in student loan refinancing, but the latest numbers show that ELFI has a slight edge for the average borrower.

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borrowers wonder why their student loan balanc is important if it is going to get forgiven.

Student Loan Forgiveness: 6 Reasons Your Balance Still Matters

Even if forgiveness is on the table, factors like taxes, income changes, and marriage can affect how much you ultimately pay.

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Next Page »
  • RepaymentPLANS & FORGIVENESS
    • Lower Payments
    • Student Loan Forgiveness
    • Cosigner Issues
    • Repayment Plans
    • Loan Servicers
    • Consolidation
    • Debt Elimination
    • Parent PLUS Loans
  • RefinanceRATES, TIPS & REVIEWS
    • Refinance Reviews
    • Best Interest Rates
    • Lender Comparisons
    • Refinance Strategy
  • Life with LoansMARRIAGE, TAXES & MORE
    • Retirement
    • Home Ownership
    • Marriage
    • Taxes
    • Scam Alerts
  • PlanningSTUDENTS & PARENTS
    • Paying for School
    • Student Loan Reviews
    • Income Share Agreements