Guides
Plain-English answers to the questions the 2026 repayment overhaul is forcing on every borrower. Each guide notes when it was last updated — policy is moving, and so are we.
What Happens If You Ignore the 90-Day SAVE Notice
Ignoring the servicer notice doesn't pause anything. Here's exactly what auto-enrollment does to your payment, your forgiveness credit, and your PSLF track.
Updated June 2026
Do I Have to Leave the SAVE Plan? Yes — Here's the Timeline
SAVE was struck down. What the 90-day notice means, what happens if you ignore it, and how to pick your next plan before one is picked for you.
Updated June 2026
Your First Student Loan Payment Is Coming: A New Grad's 30-Minute Setup
Just graduated? Before your grace period ends, spend 30 minutes making four decisions that will save you thousands over the life of your loans.
Updated June 2026
Physicians, Dentists, Attorneys: Forgiveness Track or Refinance? The $200k+ Decision
With six-figure debt, the forgiveness-vs-refinance decision is worth more than most investment choices you'll make this decade. The framework, honestly.
Updated June 2026
Parent PLUS Borrowers: The June 30, 2026 Deadline That Locks You Out
Unconsolidated Parent PLUS loans permanently lose access to income-driven repayment after June 30, 2026. What to do this week.
Updated June 2026
PSLF Buyback: Reclaiming the SAVE Forbearance Months You Lost
Months in the SAVE litigation forbearance didn't count toward PSLF. Buyback lets you purchase that credit — here's who qualifies and how to file.
Updated June 2026
RAP vs. IBR: How to Choose Between the Two Income-Driven Plans
After July 2026 there are only two income-driven options. The right one depends on your income, dependents, and how much IDR time you already have.
Updated June 2026
Your Loan Servicer Changed: The 20-Minute Damage-Control Checklist
Millions of loans have been transferred between servicers. Transfers are where payment counts, autopay, and paperwork go missing. Protect yourself in 20 minutes.
Updated June 2026