Student Loan Forgiveness: 6 Reasons Your Balance Still Matters
Even if forgiveness is on the table, factors like taxes, income changes, and marriage can affect how much you ultimately pay.
Latest Posts in IDR
Critical Parent PLUS Loan Deadline Quickly Approaching
Parent PLUS double consolidation allows borrowers to unlock better repayment plans and lower monthly payments, but the deadline to complete the process is fast approaching.
Why the SAVE Lawsuit Could Drag on for Years and Reach the Supreme Court
A trip to the Supreme Court could mean that the SAVE litigation lasts for several years before getting resolved.
Extra Payments During SAVE Litigation Forbearance Are a Mistake
Extra payments during the SAVE forbearance don’t count toward forgiveness and could ultimately be a costly mistake for borrowers.
Can I pay more than the minimum on my IBR, PAYE or SAVE payment plan?
In some cases it is smart to make extra student loan payments. Other times, paying more than the minimum is a waste of money.
SAVE Plan Calculator: Estimate Your Student Loan (Suspended)
The new SAVE plan will offer the lowest monthly payment for the vast majority of borrowers.
Biden Administration Extends Student Loan Consolidation Deadline
The terms of the one-time account adjustment deadline are a bit complicated, but consolidation right now is a big opportunity for many federal student loan borrowers.
PAYE vs IBR After SAVE: How to Choose Your Next Student Loan Plan
The SAVE repayment plan has been officially vacated, and borrowers must transition to a new repayment option. For most, the choice is now a three-way comparison between PAYE, IBR, and the new RAP plan—income-driven options that differ significantly in flexibility, eligibility, and long-term stability. This guide explains how these plans function following the March 2026 court ruling, how the July 2026 launch of the RAP plan affects your choices, and how to select a path that protects your forgiveness progress without guessing your future income.
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.
