Student Loan Planner

Student loan reform just cleared the House in what’s officially called the “One, Big, Beautiful Bill.” If it becomes law, it could overhaul repayment into just two plans: the Old IBR plan and a new Repayment Assistance Plan (RAP) that scales payments between 1% and 10% of income over 30 years. But nothing is final. The next step is the Senate, where the path forward is less certain. We explore what the House bill includes, what changes could mean for current and future borrowers, and the broader implications for repayment, forgiveness, and access to education. Learn about key policy details, potential legal challenges, and what you should watch as the conversation continues in the weeks ahead. Key moments: (05:41) If courts strike down SAVE, it could force a rewrite of the student loan section of the bill (07:55) Changing voter turnout patterns could reshape midterm election outcomes in unexpected ways (11:35) Future students may lose PSLF eligibility for residency programs (14:44) Proposed changes could hit universities hard, leading to major job losses across higher education (17:16)  Estimate your RAP payment to see what’s affordable and compare your repayment options Like the show? There are several ways you can help! * Follow on Apple Podcasts [https://itunes.apple.com/us/podcast/student-loan-planner/id1446453497?mt=2&ls=1], Spotify [https://open.spotify.com/show/6w2qdUPNMEFYr0JzGXNgT1] or Amazon Music [https://music.amazon.com/podcasts/d675bc81-d6f6-4d5a-b354-864b5008fed7/student-loan-planner] * Leave an honest review on Apple Podcasts [https://itunes.apple.com/us/podcast/student-loan-planner/id1446453497?mt=2&ls=1]  * Subscribe to the newsletter [https://www.studentloanplanner.com/podcast-landing/] Feeling helpless when it comes to your student loans? * Try our free student loan calculator [https://www.studentloanplanner.com/free-student-loan-calculator/] * Check out our refinancing bonuses [https://www.studentloanplanner.com/refinance-student-loans/] we negotiated * Book your custom student loan plan [https://www.studentloanplanner.com/hire-student-loan-help/] * Get profession-specific financial planning [https://slpwealth.com/] Do you have a question about student loans? Leave us a voicemail here [http://studentloanplanner.com/voicemail] or email us at help@studentloanplanner.com [help@studentloanplanner.com] and we might feature it in an upcoming show!

The Repayment Assistance Plan, aka RAP, is another student loan overhaul, and people have a lot of questions. Learn what this plan actually is, why it matters right now, and the real chances of it becoming law. If you're wondering when or if you could switch to this plan, we've got you covered. The RAP might completely change how student loan repayment works. We're unpacking all the details and what you might want to keep in mind if you’ve got loans. Key moments: (03:55) If you’re close to forgiveness, sticking with IBR will probably make more sense (05:16) This administration is rushing student loan changes before finalizing regulatory details (09:59) There’s still a long way to go, and some Senators just want to bring back REPAYE (13:08) Graduate professions would lose diversity if only students from wealthy families could afford them   Like the show? There are several ways you can help! * Follow on Apple Podcasts [https://itunes.apple.com/us/podcast/student-loan-planner/id1446453497?mt=2&ls=1], Spotify [https://open.spotify.com/show/6w2qdUPNMEFYr0JzGXNgT1] or Amazon Music [https://music.amazon.com/podcasts/d675bc81-d6f6-4d5a-b354-864b5008fed7/student-loan-planner] * Leave an honest review on Apple Podcasts [https://itunes.apple.com/us/podcast/student-loan-planner/id1446453497?mt=2&ls=1]  * Subscribe to the newsletter [https://www.studentloanplanner.com/podcast-landing/] Feeling helpless when it comes to your student loans? * Try our free student loan calculator [https://www.studentloanplanner.com/free-student-loan-calculator/] * Check out our refinancing bonuses [https://www.studentloanplanner.com/refinance-student-loans/] we negotiated * Book your custom student loan plan [https://www.studentloanplanner.com/hire-student-loan-help/] * Get profession-specific financial planning [https://slpwealth.com/] Do you have a question about student loans? Leave us a voicemail here [http://studentloanplanner.com/voicemail] or email us at help@studentloanplanner.com [help@studentloanplanner.com] and we might feature it in an upcoming show!

The Republican student loan bill is gaining steam and could seriously impact your repayment strategy. Let me break it down for you: undergrads might actually see some benefits here, but if you've got grad school debt? You might want to sit down for this one. Current borrowers won't get hit as hard as future ones, but painful changes could be on the horizon. Get insights into the legislative process, the strategy behind budget reconciliation that's pushing this bill forward, and practical ways to think ahead while the details are still in flux. Key moments: (05:30) PSLF could be eliminated through reconciliation with a simple majority vote (06:45) A look at the proposals currently being considered in the bill (09:13) The bill slightly helps undergrads while potentially devastating graduate borrowers (14:48) Loan limits could restrict first-generation students from accessing medical, dental, and veterinary programs (18:30) This "Big Beautiful Bill" will likely reach the President by September Like the show? There are several ways you can help! * Follow on Apple Podcasts [https://itunes.apple.com/us/podcast/student-loan-planner/id1446453497?mt=2&ls=1], Spotify [https://open.spotify.com/show/6w2qdUPNMEFYr0JzGXNgT1] or Amazon Music [https://music.amazon.com/podcasts/d675bc81-d6f6-4d5a-b354-864b5008fed7/student-loan-planner] * Leave an honest review on Apple Podcasts [https://itunes.apple.com/us/podcast/student-loan-planner/id1446453497?mt=2&ls=1]  * Subscribe to the newsletter [https://www.studentloanplanner.com/podcast-landing/] Feeling helpless when it comes to your student loans? * Try our free student loan calculator [https://www.studentloanplanner.com/free-student-loan-calculator/] * Check out our refinancing bonuses [https://www.studentloanplanner.com/refinance-student-loans/] we negotiated * Book your custom student loan plan [https://www.studentloanplanner.com/hire-student-loan-help/] * Get profession-specific financial planning [https://slpwealth.com/] Do you have a question about student loans? Leave us a voicemail here [http://studentloanplanner.com/voicemail] or email us at help@studentloanplanner.com [help@studentloanplanner.com] and we might feature it in an upcoming show!

Guess what? We are moving this Friday episode over to the new Financially Free Era podcast! It is the next step to your financial planning journey after your student loan plan has been tackled with us here at Student Loan Planner. We hope this new show will answer your questions of: What else do I need to do? What else can I do to optimize my savings? How can I start saving for that goal that I have?" SLP Wealth was born to be that next step. So naturally, we need to start separating from our initial starting point, which is Student Loan Planner. So we have created a whole new show: Financially Free Era by SLP Wealth.   Follow and Subscribe for free to the new show! * Follow on Apple Podcasts [https://podcasts.apple.com/us/podcast/financially-free-era-by-slp-wealth/id1813259511], Spotify [https://open.spotify.com/show/1rnb0hzdEOkuChvvwXq7kp], Amazon Music [https://music.amazon.com/podcasts/e307a4d7-23f3-4fb3-a1ca-41da38123163/financially-free-era-by-slp-wealth], iHeart Radio [https://www.iheart.com/podcast/263-financially-free-era-by-sl-274528480/], or Pocket Casts [https://pca.st/nzch0uvn]

Can “save more” be bad advice? We’re pulling back the curtain on something financial advisors rarely discuss: how saving too much can harm your quality of life. We'll unpack the uncomfortable truth about how all professions, including my own, handle potential conflicts of interest. This isn't about vilifying financial planning — it's about making sure the help you get is truly in your best interest, and not just serving someone else’s bottom line. Key moments: (01:31) When financial planners pressure clients to invest bonuses rather than enjoy them (04:36) Fee structure matters less than the value received for the financial advice given (08:12) Most people overspend on things they don’t even like (15:50) Bad advice often comes from people who don’t understand your situation Like the show? There are several ways you can help! * Follow on Apple Podcasts [https://itunes.apple.com/us/podcast/student-loan-planner/id1446453497?mt=2&ls=1], Spotify [https://open.spotify.com/show/6w2qdUPNMEFYr0JzGXNgT1] or Amazon Music [https://music.amazon.com/podcasts/d675bc81-d6f6-4d5a-b354-864b5008fed7/student-loan-planner] * Leave an honest review on Apple Podcasts [https://itunes.apple.com/us/podcast/student-loan-planner/id1446453497?mt=2&ls=1]  * Subscribe to the newsletter [https://www.studentloanplanner.com/podcast-landing/] Feeling helpless when it comes to your student loans? * Try our free student loan calculator [https://www.studentloanplanner.com/free-student-loan-calculator/] * Check out our refinancing bonuses [https://www.studentloanplanner.com/refinance-student-loans/] we negotiated * Book your custom student loan plan [https://www.studentloanplanner.com/hire-student-loan-help/] * Get profession-specific financial planning [https://slpwealth.com/] Do you have a question about student loans? Leave us a voicemail here [http://studentloanplanner.com/voicemail] or email us at help@studentloanplanner.com [help@studentloanplanner.com] and we might feature it in an upcoming show!