Federal Student Loan Repayment Plan Options and Strategy
There are many different federal repayment plans and each option comes with unique advantages and disadvantages.
Latest Posts in REPAYE
Switching to SAVE or REPAYE and Restarting Forgiveness Progress
Many borrowers worry that changing income-driven repayment plans will result in starting from scratch on the path to student loan forgiveness.
How to Sign Up for SAVE: Mistakes to Avoid When Switching Repayment Plans
The new SAVE plan offers considerable savings for IBR, PAYE, and REPAYE borrowers, but care is necessary when enrolling.
Paying $0 Per Month On Your Federal Student Loans with IDR Plans Like SAVE
A zero-dollar monthly payment may seem like a scam, but it is a legitimate option for some federal student loan borrowers.
Selecting Your First Student Loan Repayment Plan: Tips and Strategy
Choosing the right federal repayment plan might seem overwhelming, but finding the best option usually isn’t very difficult.
Breaking Down the GOP’s New Student Loan Legislation: What It Means for Borrowers
Republicans in Congress proposed five new pieces of legislation to overhaul student loan policy in the US.
Should I Wait for Biden’s New 5% IDR Plan?
In most cases, waiting for the newest IDR repayment plan to be available is a mistake. Delays offer few advantages and come with significant disadvantages.
PSLF Repayment Plans: What Qualifies, What Doesn’t, and How to Fix Mistakes
Not all federal repayment plans count toward PSLF — and choosing the wrong one can cost you years of progress. This guide covers every qualifying plan, what’s changed under the 2026 OBBB overhaul, and what to do if you’ve already been on the wrong plan.
The Downside to Income-Driven Repayment Plans Like IBR, PAYE and REPAYE
IDR plans have a ton of borrower-friendly features, including student loan forgiveness. However, they have some flaws that all borrowers should understand.
