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Question: My student loan payment is about to change. Should I just pick the plan with the lowest monthly payment? Answer: The lowest monthly payment is important, especially if your budget is tight. But it should not be the only factor in your decision. Student loan repayment is changing quickly, and some choices may affect more than your next bill. Depending on your loan type, current repayment plan, and repayment history, changing plans, consolidating, or waiting too long

For years, most federal student loan borrowers focused on one goal: “How do I lower my monthly student loan payment?” But major federal student loan changes are now shifting the conversation. The future of student loan repayment may no longer be just about getting the lowest payment or maximizing forgiveness. It may now be about protecting your long-term eligibility before new repayment rules take effect. Under the newest Department of Education regulations, borrowers may soo

As 2025 comes to a close, the federal student loan landscape is entering one of its most consequential transitions since repayment resumed. The formal wind-down of the SAVE repayment plan, combined with rising delinquency and a major expansion of Income-Based Repayment (IBR), has put millions of borrowers at a crossroads. This moment isn’t just about policy changes, it’s about whether borrowers can adapt in time to avoid unnecessary financial harm. Millions Will Need a New

As of July, reports show that more than 13 million borrowers are in forbearance or deferment. This follows a troubling trend we...

Yes, if you have defaulted on your federal student loans, the government can intercept your tax refund through the Treasury Offset...

As federal student loan borrowers navigate the post-pandemic repayment landscape, a recent memo from James Kvaal, former Under Secretary...

As federal student loan repayments resume, millions of borrowers are facing the very real risk of delinquency. Falling behind on payments...