Unlocking the Parent PLUS Double Consolidation Loophole: Navigating Benefits and Risks
The rewards are huge – lower monthly payments and more loan forgiveness, but the double consolidation loophole isn’t right for everyone.
Does Deferment or Forbearance Time Count for Student Loan Forgiveness?
Time in deferment or forbearance usually doesn’t count toward PSLF or IDR forgiveness, though narrow processing exceptions and upcoming retroactive options may apply.
How to Consolidate AidVantage Student Loans
Consolidation of AidVantage loans may be a smart move in your quest to eliminate student debt. Learn how it works and the mistakes to avoid.
Are AES Loans Federal or Private?
American Education Services (AES) handles both private and federal student loans. Fortunately, it is fairly simple to identify which loans are federal.
How to Find the Database with Complete Federal Student Loan Records
The Department of Education keeps student loan records that track balances, loan types, repayment plans, and servicer information.
The Complete Guide to Federal Direct Student Loan Consolidation
Federal direct consolidation is an essential move for some student loan borrowers and a huge mistake for others.
Should I Empty My Retirement Accounts to Pay Off My Student Loans?
Thinking about cashing out your 401(k) or IRA to erase student loans? It’s possible — but usually costly. Between taxes, penalties, and decades of lost compound growth, most borrowers come out behind. This guide breaks down when it might make sense, why it usually doesn’t, and smarter alternatives to protect your retirement.
Early Forgiveness Under SAVE: Understanding Loan Size Limits and Other Fine Print
Early SAVE forgiveness sounds simple, but there are complications for borrowers with larger balances, FFEL Loans and Parent PLUS Loans.
How 401(k) and 457 Retirement Plan Contributions Lower Student Loan Payments
Putting money in a retirement account can mean lower student loan payments and more student loan forgiveness.
