Should I Pay Student Loans With a Credit Card?
Putting a student loan on a credit card trades income-driven payments, forgiveness, and death/disability discharge for an unprotected 22%+ balance.
income-driven repayment
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.
They Said My SAVE Forbearance Months Still Count Toward My IDR Forgiveness Clock. They Don’t.
SAVE forbearance months don’t count toward your IDR forgiveness clock. Unlike PSLF, there’s no buyback fix for IDR — here’s why, and what to do.
They Said Student Loan Forgiveness Is Always Tax-Free — Not Anymore in 2026
Forgiveness isn’t always federally tax-free now – the 2021 exclusion expired after Dec. 31, 2025, but PSLF, teacher and disability discharges stay excluded.
The SAVE Plan Is Ending — You Have 90 Days to Avoid a Bigger Bill (July 2026)
The SAVE plan is ending and the 90-day clock has started. Do nothing and you’re auto-enrolled in a costlier plan. Here’s what to check now.
The New Student Loan Autopay Discount Locks Out Borrowers in Default — Here’s the Way Back In
The bigger 1% student loan autopay discount skips borrowers in default. Here’s how to get out of default first — and the 2026 consolidation trap to avoid.
Student Loan Forgiveness Is Taxable Again in 2026 — What Changed and How to Avoid the Bill
Student loan forgiveness is taxable again in 2026 — but a rule most borrowers have never heard of can erase the bill entirely.
576,000 Student Loan Borrowers Stuck in Repayment Plan Backlog
576,000 student loan borrowers are stuck waiting for income-driven repayment plan processing. Zero loan discharges in February 2026. Here’s what to do.
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.
Student Loan IDR Plan Survives Court Battle — But 22,000 Borrowers Are Still Waiting on Discharge
A court dismissed the Trump administration’s attempt to end the SAVE student loan plan in February 2026 — but 22,000+ borrowers who completed their IDR payments are still waiting on discharges. Here’s what the ruling means for you, and the tax trap no one is warning borrowers about.
