They Said Zero Income Means a Zero Student Loan Payment. Under RAP, You Still Owe $10 a Month.
Zero income does not mean a $0 student loan payment under RAP. The law sets a $10 monthly minimum, no exemption — here is what still lets you pay $0.
IBR
Student Loan Changes Hit July 1 — Three Weeks to Avoid the Auto-Enrollment Trap
Federal student loan changes hit July 1, 2026. What SAVE borrowers must do in the next 3 weeks, the PSLF auto-enrollment trap, and the Parent PLUS deadline that closes June 30.
SAVE Plan Ruled Illegal: What 7 Million Student Loan Borrowers Need to Do Now
A federal district court permanently struck down the SAVE plan on March 11, 2026, affecting 7 million borrowers. Here’s what IBR, PAYE, ICR, and the new RAP plan mean for your forgiveness timeline — and what to do if you’re pursuing PSLF.
GOP States Move to Block Student Loan SAVE Repayment Plan — What 7 Million Borrowers Need to Know
Republican-led states filed an emergency motion March 3 to block the SAVE student loan repayment plan from being revived. Here’s what the legal back-and-forth means for 7+ million borrowers — and what to actually do right now.
Student Loan Attorney Answers Your 10 Biggest Questions for 2026
July 1, 2026 changes everything for student loan borrowers. Parent PLUS borrowers must consolidate before that date to keep IDR and PSLF. SAVE is dead. Collections are returning. A student loan attorney with 17 years of experience answers the 10 questions every borrower needs answered.
You Got a Sweet Deal on Student Loans From Biden
Quick Answer: Biden’s administration has approved $25 billion in student loan forgiveness and announced up to $20,000 in debt cancellation per borrower. The new income-based repayment plan requires only 5% of income over $33,000, with borrowers expected to repay just 50 cents per dollar borrowed on average.College debtors definitely have a friend in President Biden. …
Federal Student Loans Are Broken: Myth vs Reality
Quick Answer: Federal student loans are indeed broken, as confirmed by a Consumer Financial Protection Bureau report documenting widespread mismanagement. Key issues include colleges withholding transcripts from indebted students and loan servicers improperly kicking borrowers out of income-driven repayment plans due to administrative errors.The Merriam-Webster dictionary defines snafu as “a situation marked by errors or confusion.” The …
Federal Student Loan Balance Rising on IBR?
Quick Answer: Federal student loan balances can rise significantly on Income-Based Repayment plans when payments don’t cover interest, as demonstrated by this borrower whose $58k loan grew to $150k. Borrowers facing increased IBR payments should explore alternative Income-Driven Repayment options like REPAYE, PAYE, or ICR plans through the Department of Education’s online calculator.Question:Dear Steve,Owe approx …
Student Loan Forbearance Advice: Myth vs Reality
Quick Answer: Student loan forbearance is poor advice compared to income-driven repayment plans, as forbearance allows interest to accumulate while income-based programs offer loan forgiveness. This borrower’s debt grew from $14,000 to $35,000 over 20 years due to forbearance, when income-contingent repayment (available since 1995) or IBR (since 2007) would have provided forgiveness after 25 …
