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16 articles
SAVE Plan's 90-Day Exit Notice: IBR vs PAYE for PSLF on a $105K Nonprofit Loan
Servicers are now sending 90-day countdown notices to leave the SAVE plan. For PSLF borrowers with a $105K nonprofit loan, the choice between IBR, PAYE, and RAP determines whether your last decade of payments actually counts.
Read more →Consolidating a $78K Stafford and Perkins Loan for RAP: Why It Could Reset Your PSLF Clock in 2026
A borrower with $78K in mixed Stafford, Perkins, and FFEL loans has to decide whether consolidating for the new RAP plan is worth wiping out 48 months of PSLF progress — here's the total cost math.
Read more →RAP vs IBR on a $90K Loan: What Your SAVE Plan 90-Day Notice Actually Means for Your Total Cost
46,000 borrowers signed up for the new RAP plan on day one — here's how RAP, IBR, and Standard repayment actually compare on a $90,000 loan at $58,000 income, and why your SAVE plan notice deadline matters more than you think.
Read more →Parent PLUS and Stafford Consolidation for IBR vs ICR: Total Repayment Cost on a $94K Mixed Loan Portfolio in 2026
If your student loan portfolio includes Parent PLUS, Stafford, or FFEL loans, your loan type — not just your balance — determines whether you can access IBR, PAYE, or PSLF. Here's what that costs on a $94K balance at $58K income.
Read more →PSLF Qualifying Payments on $89K: IBR vs PAYE for Nonprofit Workers Earning $58K — Which Plan Actually Costs Less?
Nonprofit workers on $89K in federal loans face a $70K+ lifetime cost gap between IBR and PAYE. Here's the full PSLF payment math — including what the IDR tracker returning to StudentAid.gov means for your qualifying payment count.
Read more →IBR vs PAYE for Nonprofit Workers on $88K: What PSLF's 2026 Access Changes Mean for Your Total Repayment Cost
PSLF just got harder to access for some borrowers. If you work at a nonprofit with $88K in federal loans and a $58K salary, choosing the wrong IDR plan — or losing SAVE forbearance months — could cost you $80,000 more than the optimal path. Here's the full math.
Read more →Parent PLUS vs Grad PLUS on a $95K Balance: Why Loan Type Determines IBR Access, PSLF Eligibility, and Your Total Repayment Cost
Parent PLUS and Grad PLUS loans look similar on your FSA dashboard but follow completely different repayment rules — a difference worth $39,000 in total payments on a $95K balance. Here's how to know which path you're on and what to do about it.
Read more →SAVE Forbearance Is Over: IBR vs RAP Total Cost on an $85K Loan — What 7.7 Million Borrowers Must Decide Now
SAVE forbearance is ending and 7.7 million borrowers face a decision that could cost them $50K+: IBR or RAP? Here's the full cost math on an $85K loan so you can pick the right plan before payments resume.
Read more →PSLF on $210K in Medical School Debt: IBR vs PAYE Qualifying Payments for Residents at Nonprofit Hospitals
Medical residents with $210K in loans at nonprofit teaching hospitals could save over $228,000 through PSLF — but only on the right IDR plan. Here's the exact qualifying payment math across IBR, PAYE, and standard repayment.
Read more →FFEL and Stafford Loans After SAVE Ends: Consolidation, IBR, and PAYE Total Cost on a $78K Balance in 2026
7 million borrowers are being forced off SAVE in 2026. If you have FFEL, Stafford, or Perkins loans, your loan type determines which plans you can even access — and the wrong consolidation move can cost you $40,000+.
Read more →SAVE Plan Is Ending: IBR vs PAYE vs Standard on a $92K Loan — What Your Switch Decision Actually Costs
SAVE borrowers have 90 days from July 1 to switch plans or face default. Here's the full cost math on IBR vs PAYE vs Standard repayment on a $92K loan — including the forgiveness tax bomb most borrowers don't see coming.
Read more →PSLF vs Standard Repayment on $87K: Which IDR Plan Qualifies for Nonprofit Workers After SAVE Collapsed in 2026
SAVE is dead, PAYE and IBR are your PSLF options, and a new RAP plan launches in July 2026. Here's the full cost math on an $87K loan for a nonprofit worker earning $55K — and why plan selection right now could cost you $80,000+.
Read more →PAYE vs IBR in 2026: Which IDR Plan Costs Less on an $82K Loan Now That SAVE Is Gone
SAVE is blocked by federal courts and a new RAP plan doesn't launch until July 2026. Here's what that means for your IDR plan choice — with a full cost breakdown on an $82K loan at $58K income.
Read more →Consolidating FFEL, Perkins, and Stafford Loans for PSLF: What a $78K Mixed Portfolio Actually Costs You
If you have FFEL Stafford or Perkins loans, you may be invisible to PSLF and locked out of SAVE — no matter how long you've been making payments. Here's the consolidation math on a $78K mixed loan portfolio.
Read more →SAVE vs IBR Forgiveness on a $95K Loan: What the 576,000-Borrower IDR Backlog Means for Your Timeline
Over 576,000 borrowers are stuck in the IDR processing backlog — and the plan you're waiting to switch into could mean a $40,000+ difference in total repayment cost. Here's how to run the forgiveness math before your timeline slips further.
Read more →Refinance at 3.67% or Stay on SAVE: The True Cost Comparison on a $75K Student Loan
Current refinance rates hit 3.67% APR in March 2026 — but refinancing your federal loans could cost you $60,000+ if you're PSLF-eligible. Here's the full cost math on a $75K loan across every path.
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