REPAYE for Married Couples
REPAYE is the best repayment plan for some married couples. For others, it is an expensive option.
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.
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.
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.
Old IBR vs. IBR for New Borrowers: Comparing IBR Plans
IBR and IBR for New Borrowers sound similar, but the two plans have different monthly payments and different rules for student loan forgiveness.
Missing IBR or PAYE Certification is REALLY Expensive
Capitalization of interest on IBR, PAYE, and REPAYE makes failing to re-certify on time a costly error.
Meet the Worst Federal Student Loan Repayment Plan
The worst federal student loan repayment plan has high monthly payments, no forgiveness options, and makes it harder to buy a home.
Opinion: It is Time for the Government to Automate Income-Driven Repayment Certification
Yearly income certification trips up many federal borrowers and this problem could easily be avoided by automating the process.
Can I sign up for IBR, PAYE or SAVE if I don’t have a job?
IDR plans like PAYE, REPAYE, and IBR were designed to provide borrowers with affordable payments. For the unemployed, this often means $0 payments.
When is it time to give up on Income-Driven Repayment Plans like IBR, PAYE, and REPAYE?
Income-driven repayment plans are usually the best option for federal borrowers, but some circumstances justify a change in strategy.
