Consolidating federal loans under the 2026 rules
A consolidation loan made on or after July 1, 2026 is a new loan and closes IBR for good. When it still helps, and what it does to your rate and PSLF count.
Guides
An independent repayment calculator for federal student loans.
Getting out of student loan default in 2026
How default works, what collections are paused right now, and how rehabilitation and consolidation get a federal loan back in good standing.
Leaving the SAVE plan
SAVE is over. When your 90-day clock starts, what happens if you don't choose, and how RAP, IBR and Standard compare for former SAVE borrowers.
What Parent PLUS borrowers can still do
Parent PLUS loans can't use RAP. Which plans parents keep, the one-payment ICR step that keeps IBR open until 2028, the new borrowing caps, and discharge rules.
PSLF employer questions, answered
Which employers count for PSLF, what full time means, contractors and second jobs, the vacated 2025 employer rule, and which plans count now.
What refinancing federal loans trades away
When refinancing student loans into a private loan saves money, when it doesn't, and the federal protections you give up for good. With a worked example.
The Repayment Assistance Plan, line by line
How RAP payments are calculated from your AGI and dependents, what happens to unpaid interest, the $50 principal match, and when the balance is forgiven.
Is that student loan relief company a scam?
Everything these companies sell is free from the Department of Education. The warning signs, recent FTC cases, and what to do if you already signed up or paid.
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