Student Loan Planner Future of PAYE, SAVE and RAP with Stanley Tate
Nov 18, 2025
In this engaging discussion, Stanley Tate, a consumer bankruptcy attorney and student loan expert, dives into the complexities of student loan repayment. He unpacks the latest Public Service Loan Forgiveness (PSLF) changes and why borrowers shouldn't panic. Notably, Tate highlights the confusion around SAVE forbearance and the tricky Parent PLUS loans. The conversation also covers the implications of new loan caps and what they mean for future borrowers, ensuring listeners are well-informed on how to navigate their options effectively.
AI Snips
Chapters
Transcript
Episode notes
PSLF Rule Changes Face Legal Risk
- The Biden-era PSLF enforcement changes face legal pushback and may not survive because PSLF was created by bipartisan law without those conditions.
- Stanley Tate expects courts to curb broad agency attempts to invalidate many nonprofits for PSLF eligibility.
Weighted-Average Rules Are Fragmented
- Weighted-average credit rules are split across contexts: consolidation interest, PSLF credit, and IDR forgiveness credit under SAVE.
- The SAVE rule's weighted-average IDR credit is uncertain due to injunctions, so consolidation likely resets IDR but preserves PSLF credit.
Dentist Couple's Long Commutes For PSLF
- Travis recounts a dentist couple driving hours to meet FQHC job requirements for PSLF, sacrificing family convenience.
- The couple later learned PAYE/IDR forgiveness might have been a viable alternative, avoiding the commute burden.