Student Loan Planner

Some parts of the One Big Beautiful Bill Act are pretty rough for borrowers, but believe it or not, it could’ve been way worse — you can thank the Senate parliamentarian for blocking the worst of it. We’ll walk you through what’s changing, what’s staying the same, and what you need to start planning for now. This is your clear, practical guide to understanding how the bill will affect your wallet and the conversations you’ll need to have with your partner, financial planner, or school’s aid office. Key moments: (03:40) The math of student loans becomes very complicated for borrowers starting fall 2026 (11:39) Grad school closures and layoffs could mean higher salaries for remaining professionals (14:22) Families face tough choices as expensive colleges become harder to finance (18:56) How you file taxes continues to shape your student loan payment strategy under new rules 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!

“Senate parliamentarian” isn’t exactly a household name, but her latest ruling is huge news for anyone with student debt. Learn what her surprise decision means for the Big Beautiful Bill Act and how it could shape repayment plans and forgiveness programs. You’ll find the specifics of what this means if you’re a Parent PLUS borrower, in dental and medical school, or just worried about how these policy shifts could affect your financial future. We’ll take you beyond the political noise and cut through the confusion to give you actionable info you can use.   Key moments: (02:32) The current bill would essentially kick a lot of people who need to borrow after July 2026 onto the RAP plan (05:21) Future students deserve clear repayment rules upfront, not changes mid-degree like the Senate is proposing (08:45) Anybody who's ever had a parent plus loan needs to apply for the ICR plan (11:20) PAYE borrowers must be prepared to get switched to the old IBR or possibly the RAP plan (15:48) Different borrowers should take different approaches while legislation is pending   Resource mentioned:  IDR Plan Request at Studentaid.gov [https://studentaid.gov/idr/]   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!

If you're married, there’s a lot to consider in the latest student loan reform proposals. Discover what the changes being debated in Congress could mean for married borrowers, including the potential loss of “married filing separately” as a repayment strategy and how the new Repayment Assistance Plan (RAP) might affect your monthly payments. If you’re single or engaged, this still matters — we’ll cover what you need to know before tying the knot, plus smart moves you can make now to avoid future headaches.   Key moments:   (03:07) New rules could make marriage costly for borrowers with high student debt (10:54) RAP plan offers fewer deductions than IBR, especially for families with multiple children (16:36) Capping federal loan limits could push students toward private lenders with strict requirements (25:02) Borrowers with high debt-to-income ratios may benefit from sticking with forgiveness, despite uncertainty 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 Senate just dropped its version of the student loan reform bill, and let’s just say… it’s not great. In fact, it’s worse than expected, especially if you have six-figure student debt, Parent PLUS loans, or are a future student. Learn what’s at stake, how it could completely reshape repayment options, and who (besides private lenders) might come out ahead. More importantly, you’ll learn what you can do now to protect yourself if the bill moves forward. If student debt is part of your financial life, don’t miss this one.   Key moments:   (00:52) SAVE and new IBR borrowers could be forced into old IBR under the Senate bill (02:18) New rules could turn marriage into a major cost for student loan borrowers (02:48) Parent PLUS borrowers face the harshest penalties under this proposed legislation (07:14) Future borrowers need a plan before taking loans after July 2026 under the new rules (09:18) There's still a whole lot that you can do if you're an existing borrower   Links mentioned:   * StudentAid.gov [http://studentaid.gov] - The official federal site for consolidating student loans   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!

If the GOP reform bill moves forward, lowering your adjusted gross income (AGI) won’t just be helpful, it’ll be more important than ever for student loan borrowers. We explore what could change, who’s most at risk, and what steps you can take to protect your paycheck. From maxing out pre-tax retirement contributions and HSAs to leveraging self-employment and smarter tax planning, we’ll walk you through practical ways to lower your AGI — and why it might be the biggest factor in your student loan repayment. Key moments: (04:18) Business owners may gain an edge with deductions if the GOP bill becomes law (07:53) Many haven’t felt the full weight of student loan payments in a while — that may soon change (13:55) If this bill passes, 1099 or self-employed work might offer major financial advantages (16:05) Expect to lose 50–60% of your income to loans and taxes unless you lower your AGI 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!