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Did you know that the government can take your tax refund to collect your defaulted federal student loans? The government has begun seizing tax refunds from borrowers in default for the […]

This post provides more  updates and information covered in our previous post on what Parent PLUS borrowers need to do to lower their payments due to changes under a new […]

Changes coming to IDR: A law was passed on July 4, 2025, that makes several changes to borrowers’ repayment options. The new Repayment Assistance Plan (RAP) will replace most existing […]

Public service workers (including most government and non-profit employees) are generally eligible for federal student loan cancellation after 10 years in repayment through the Public Service Loan Forgiveness Program, but […]

To help fix massive past problems in the student loan system that prevented people from getting the credit they should have toward loan forgiveness, the Department of Education is currently […]

Consolidation is used to reduce and simplify monthly payments by rolling multiple loans into one. However, it can also lengthen the period of repayment and therefore increase the total amount you will […]

Only in rare cases, including if you have new loans to consolidate that were not included in the first consolidation loan, if you are in default on a FFEL consolidation loan […]

Repaying private student loans may be more difficult if you are struggling financially because private lenders are not required by the law to offer flexible and affordable repayment plans.  Some […]

On October 6, 2021, the Department of Education announced it would temporarily change the rules for PSLF so that more borrowers could obtain cancellation. The waiver will only last until […]

Last week the U.S. Department of Education launched a new, mobile-friendly website StudentLoans.gov/Repay to help student loan borrowers identify good repayment options for their circumstances.  The new website is easy […]