IBR vs RAP: Which Plan Should You Choose?
IBR and RAP calculate payments completely differently — and choosing the wrong one could cost you thousands or add years to your timeline. Here’s how to figure out which plan wins for your situation.
Latest Posts in Repayment Plans
Student loan repayment plans are in flux. With GOP reform proposals, SAVE plan lawsuits, and shifting IDR options, borrowers must adapt quickly. This section breaks down the latest changes and how to choose the right plan in 2025.
The RAP “Poison Pill”: How New Federal Loans Can Quietly Reshape Your Entire Repayment Strategy
Borrowing new federal loans after July 1, 2026 can quietly force your older loans into the RAP system, changing your payment caps and repayment timeline. Here’s how the “RAP poison pill” works and how to avoid accidentally triggering it.
What the One Big Beautiful Bill Means for Your Student Loans in 2025
Confused about the new student loan rules under the One Big Beautiful Bill Act? You’re not alone. This comprehensive explainer breaks down how the law changes repayment options, forgiveness eligibility, and future borrowing for millions of borrowers.
IBR vs. 10-Year Standard Repayment: When the Standard Plan Is the Better Choice
The Standard Repayment Plan isn’t always the “bad” option. For borrowers with smaller balances and higher incomes, it can cost less and eliminate debt faster than IBR. Here’s how to decide which plan actually fits your situation.
Student Loan News: December 2025
Stay on top of the latest student loan updates this month — including the proposed SAVE plan settlement, expanded IBR eligibility, resumed IDR/PSLF processing, and what borrowers can expect for 2026 repayment plans.
How to Recertify Your IDR Plan (Without Screwing It Up)
IDR recertification in 2025 isn’t business as usual. With SAVE on pause and big policy changes now law, missing your recert date could cost you. This guide walks you through how to recertify your IDR plan—step-by-step, with no confusion.
GOP Student Loan Reform: What Borrowers Should Know (June 2025)
After a Senate rules ruling blocked parts of the GOP’s student loan reform bill, Republicans quickly revised and advanced a modified version. Here’s what’s staying, what’s changing, and what it means for borrowers on IDR or PSLF.
Senate GOP’s Student Loan Overhaul: What Borrowers Need to Know
Senate Republicans have introduced a major student loan reform bill that could end current IDR plans, cap borrowing, and reshape repayment options. Here’s what borrowers need to know and how to prepare.
Federal Student Loan Interest Rates 2025-2026 | Key Rates & Info
Federal student loan interest rates for the 2025-2026 academic year are now official, and if you’re planning to borrow this year, these are the numbers that will shape your payments for years to come.
