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Latest Posts in guides

student loan default

How to Get Out of Student Loan Default (and Why So Many Borrowers Are Facing It in 2025)

Millions face student loan default in 2025. Learn what default means, how to fix it fast, and avoid falling behind again.

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Federal-Student-Loan-Interest-Rates-2025-2026

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.

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sign says time to say goodbye

Guide to Removing a Cosigner from a Student Loan (Cosigner Release)

Lenders usually try to make it hard to get a cosigner removed from a student loan, but there are ways around these challenges.

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Borrower writes letter asking for help with student loan problem

Asking Congress for Help with Your Student Loans Actually Works

Learn the tactics for choosing the right official and writing a strong message to resolve your student loan issues.

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Highlight important concepts on AGI for student loan borrowers

Adjusted Gross Income (AGI) and Your Student Loans

Learn how to locate your AGI and use it to improve student loan repayment options and access tax benefits.

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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.

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sherpa explains when federal student loan consolidation is a good idea and when it is a mistake

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.

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TIme passes as student waits for SAVE forgiveness 10-years

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.

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Married couples considers options for federal student loans during retirement

Federal Student Loans in Retirement: Monthly Payment Calculations, Forgiveness, and Estate Planning

Federal student loan perks provide borrowers with valuable protections during retirement.

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  • Tools
    • Old Income-Based Repayment (IBR) Calculator
    • New Income-Based Repayment (IBR) Calculator
    • Repayment Assistance Plan (RAP) Calculator
  • 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
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