Student Loan Planner

A brand-new set of rules came out, and I’m diving into these urgent student loan updates to give you the inside track of how it can benefit you. It impacts a narrow group of people, but if you’re affected, these most recent changes could be life changing.  In today’s episode, you'll find out: The new rules for the PSLF program that benefits contractors working for PSLF-eligible organizations How Kaiser Permanente physicians can qualify for PSLF What hold-harmless provisions mean for getting credit during deferment or forbearance Decisions people in residency and fellowship must consider to maximize student loans How to get a second shot at the PSLF waiver The importance of consolidating your loans by May 1, 2023 Why the IDR waiver matters for loans before 2010 Updates on the student loan cancellation lawsuit The strategy being used to block student loan cancellation Cancellation lawsuits vs. non-partisan arguments What’s the long-term impact of these student loan changes Could a future president roll back these changes Why you shouldn’t stress if you refinanced your student loan Why focusing on growing wealth can help you be excited about your financial future   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan 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!

You only have until October 31, 2022 to take advantage of the PSLF waiver before it expires. But it isn’t too late to apply and get credit! Senior Student Loan Advisor Meagan Landress, CSLP®, and I did a webinar very recently on last-minute application tips for the PSLF waiver, and hundreds of borrowers were there with us. In this episode, we’re sharing the top tips from the webinar to help as many borrowers as possible get credit added to their PSLF payment count up until the last possible moment.  In today’s episode, you'll find out: What has changed with the PSLF waiver What should you do if you have the wrong kind of loans How to consolidate loans for the PSLF waiver Do you have to use the PSLF Help Tool What to do if you can’t get a signature from your employer What’s the timeline for the PSLF waiver The student loan cancellation lawsuits and what it means Whether time worked in public service before you took out loans counts If contract work for the state or government counts towards PSLF When you need to update your income for IDR What are the benefits of PAYE vs. REPAYE Links mentioned:  StudentAid.gov PSLF Help Tool   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan  

The student loan lawsuits, specifically the State of Nebraska v. Biden et al. suit against the Department of Education, are poised to slow down or stop student loan cancellation. I will cover what might happen and why it matters for many student loan borrowers out there. I also have a few random business updates to share, including how to join one of our Facebook groups and where to find resources on our site that go beyond student loan planning. In today’s episode, you'll find out: The lawsuit against the Department of Education that could stop loan cancellation Why I think getting the hearing in front of the Eastern District of Missouri, one of the most conservative districts in the country was intentional The importance of October 23 in student loan debt cancellation Why I think we’ll see a super-generous IDR plan if the cancellation is blocked How you can still take advantage of the PSLF waiver despite the looming deadline How to join one of Student Loan Planner®’s Facebook group for Parent PLUS loan forgiveness, teachers, nurses, and other professions Resource update: Qualify for a doctor mortgage and get a quote for disability insurance right from the site Links mentioned:  Get help for the PSLF waiver Qualify for a physician home loan Get a quote for disability insurance Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan 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!

Meet Conor Mahlmann, CSLP®, one of our newest consultants as he joins Meagan Landress, CSLP®, and Ben Lacomis, CSLP®. Conor joined the Student Loan Planner team back in May and just hit his 300th consult. The team is covering many topics this week — from the changes we’ve seen, the PSLF waiver, cancellations, and what we hear directly from clients. We’re also jumping into student loan updates, so there’s a lot of ground to cover. In today’s episode, you'll find out: How Conor got into financial planning and what attracted him to student loan planning The most interest student loan strategy case Conor has seen (so far) The skinny on the Biden student loan cancellation What you need to do before October 31 to take advantage of the PSLF waiver Why it’s not too late to benefit from the PSLF waiver How long it takes to get your employment certification form signed When double consolidation makes sense What to expect from the timeline for loan forgiveness and cancellation   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn   Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan 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!

Student loan decision fatigue is real. With so many options, programs changes, temporary waivers, and more, there’s a lot of deadlines to keep track of. What should you be paying attention to? What are you eligible for? Where do you even start? Join me, Sim Terwilliger, CFP®, CSLP®, and Meagan Landress, CSLP®, as we review what you should be thinking about right now. We also share how some borrowers are paying it forward and the best self-care ideas to rejuvenate your mind and body. In today’s episode, you'll find out: Why you need to create an FSA (federal student aid) account right now How to know if (and when!) you should consolidate student loans How consolidation can help your PSLF payment count Crucial student loan deadlines you need to pay attention to When to expect a payment tracker for your IDR payment count What the Biden forgiveness plan could mean for you Why we’re seeing another wave of people getting PSLF forgiveness How to pay it forward to others The best ideas for self care to rebuild yourself What’s coming up next for federal student loans Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan 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!

Emergency Episode #2   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!

6 Republican led states just filed a lawsuit to block student Ioan cancellation, but this could be much bigger and imperil the IDR waiver, the payment pause, and more.

Forgiveness, cancellation, and repayment plans have seen many changes in recent months. But there’s more coming — I’m following what the Democrats and the Republicans are proposing for the future of student loans, which could have a big impact on student loans in 2023 and 2024. Listen in as I dive into proposals and a particular bill that is likely to pass in Congress that could help out a small, but important category of student loan borrowers. In today’s episode, you'll find out: Listener question: Can I get a refund on payments and still qualify for $10k and $20k cancellation What the cancellation announcement means for your student loans How the Democrat and Republican plans can overhaul student loans How the student loan act would drastically lower interest rates on student loans What the republican bill means and how it could impact current and future borrowers What would the final rule look like if it were codified Refinancing strategies for graduate school loans   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn   Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan 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!

Some people simply aren’t suited for PSLF, and that’s okay. Student loan repayment is all about making decisions that are right for you and your family, and that’s what we’re talking about today. Join Senior Student Loan Advisor Lauryn Williams, CFP®, CSLP®, as she sits down with Miranda, a physical therapist and real, life student loan borrower who qualified for PSLF but chose to go a different route. In today’s episode, you'll find out: Why Miranda gave up loan forgiveness with only two years to go What prompted Miranda to go from a physical therapist to starting her own forgiveness Strategies Miranda uses to lower her adjusted gross income and save for retirement Why borrowers in “the bubble” aren’t eligible for Pay As You Earn (PAYE) and what that means for student loan repayment How your borrowing timeline impacts your repayment plan How the tax bomb affects your tax liability in a big way Miranda’s thoughts about hearing the numbers behind her student loan repayment choices   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn   Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan 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!

We like to prepare student loan borrowers for whatever life throws at you. But even the best laid plans can throw a curve ball. Sim Terwilliger, CFP®, CSLP®, and James Mwombela, CFP®, two of our newest student loan advisors, recently found themselves taking one of those unplanned detours: Challenges along the way to having a baby. Join Lauryn Williams, CFP®, CSLP®, as she talks to the team about breaking the all-too-common silence around fertility and related issues since joining, as Sim puts it, “the club that you didn’t ask to join.” We’ll cover the kinds of wealth that money can’t buy and why student loan debt should not derail your family planning plans. In today’s episode, you'll find out: Why you delaying having children can have very real consequences for fertility How the journey from discovering a potential fertility problem to diagnosis and treatment can easily run to two years How you can manage student loan debt and start planning for your family at the same time How aggressive student loan pay-off strategies can backfire Why you need to start advocating for yourself with billing and insurance benefits early Hidden costs to consider that might not be covered by insurance How setting cash aside to boost medical coverage can reduce state and federal taxable earned income. Family planning tax strategies that can save you big money How LGBT couples may be eligible for grants to cover adoption expenses. What to say (and what not to say) to friends who may be trying to have a baby How to find happiness when life doesn’t go as planned Links related to topics mentioned:  RESOLVE: The National Infertility Association Reproductive Facts: Infertility Counseling and Support Kaiser Permanente-Infertility Emotional and Social Support When Miscarriage Ends a Pregnancy: Understanding the Loss and What to Say   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn   Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan