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Latest Posts in Repayment Plans

Items to Think About Before Picking a Student Loan Repayment Plan

Most people just look at the monthly payment and how long it will take to pay off their loans. Other details need to be considered when picking a repayment plan.

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Meet the Absolute Worst Federal Student Loan: FFEL Joint Consolidation

FFEL Joint Consolidation loans for spouses have limited options for repayment and forgiveness. They also become a nightmare in a divorce.

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Expanded Income-Contingent Repayment is Off to a Bad Start

EICR has potential to lower monthly payments for borrowers, but early drafts leave plenty of room for improvement.

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calculations

IBR and PAYE Strategy in Community Property States

Monthly payment calculations on income-driven repayment plans get especially complicated for borrowers living in community property states.

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Should I Pay Extra on My Income-Driven Repayment (IDR) Plan?

Paying extra on IDR plans like IBR, PAYE and REPAYE is a risky choice for many student loan borrowers, especially those chasing student loan forgiveness.

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REPAYE for Married Couples

REPAYE is the best repayment plan for some married couples. For others, it is an expensive option.

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How to Decide Between PAYE and REPAYE

Picking the best plan when deciding on PAYE or REPAYE is critical for married borrowers, those with graduate debt, and high-balance borrowers.

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federal student loan repayment plans and eligiblity

Federal Student Loan Repayment Plan Options and Strategy

There are many different federal repayment plans and each option comes with unique advantages and disadvantages.

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IBR and PAYE Calculations for Independent Contractors and 1099 Workers

If you are a 1099 worker or run a business, IDR calculations might seem complicated or potentially unfair, but there are ways to work the numbers in your favor.

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  • 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