A lot of borrowers are concerned about what would happen if the Department of Education gets eliminated. We’ll walk through exactly what can and can’t change based on the law, from Public Service Loan Forgiveness (PSLF) and Income-Driven Repayment (IDR) plans to the impact on your student loans. Plus, I’ll give you clear guidance and action steps to prepare your finances. If you’re worried about recertifying your income or wondering if you should refinance, this episode will help calm your nerves and give you practical steps to protect yourself.

Key moments:

(03:20) Your IDR payments could spike if you don’t plan for how you’ll file your tax return

(04:54) Potential PSLF and IDR program changes that could affect your forgiveness

(10:24) What a Department of Ed shakeup could mean for your student loans

(14:33) The debt-to-income formula that determines your best loan strategy

(19:41) The reconciliation bill could reshape IDR programs

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Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!