How Income-Based Repayment Is Calculated If Your Income Changed

Income-driven repayment is a huge benefit of the federal student loan system. Unfortunately, it’s confusing to know which plan to choose. It can be even more confusing if you have drastic… Read more

What Student Loan Fixes are Next from Biden?

When the Department of Education announced a major expansion of Public Service Loan Forgiveness this month, several significant issues that plagued student loan borrowers were fixed. Before the announcement, the… Read more

A Prescription to Cure Pharmacy School Debt

Growth in the average pharmacy school debt has accelerated greatly in recent years. Now, you’re unusual if you graduate without taking on six-figure pharmacist school debt to finance your education.… Read more

Consolidation of FFEL Federal Loans for Student Loan Forgiveness

For many years, FFEL loans have caused headaches for borrowers seeking Public Service Student Loan Forgiveness. Many borrowers spent years working in public service only to learn that their time… Read more

Pharmacist Salary and Student Debt: Is it Worth It?

Pharmacists are becoming more and more valuable. So many new drugs are coming to the market and we have an aging population. Forty-million people are already on Medicare Part D… Read more

Expanded PSLF Means Huge Refunds for Some Borrowers

Last week’s bombshell announcement on expanded Public Service Loan Forgiveness was life-changing news for many borrowers. Borrowers who had FFEL and Perkins loans may now qualify for forgiveness. Those who… Read more

Does Deferment or Forbearance Time Count for Student Loan Forgiveness

Federal student loans have excellent perks like Public Service Loan Forgiveness (PSLF) and Income-Driven Repayment (IDR) Forgiveness. Borrowers who work for an eligible employer can have their student debt forgiven… Read more

Public Service Loan Forgiveness (40 Tips to Save Thousands)

I’ve advised thousands of borrowers on the Public Service Loan Forgiveness (PSLF) program. I started doing this after my wife had a terrible experience with FedLoan Servicing. This guide is… Read more

PSLF Expanded to Include FFEL, Perkins Loans, and Graduated, Extended Repayment PLans

It finally happened! The Department of Education is finally fixing many of the issues that made Public Service Loan Forgiveness a mess. There is a ton to unpack with this… Read more

PSLF Waiver Opportunity – How to Qualify & Get Forgiveness Faster

On October 6, 2021, the Department of Education announced a sweeping action to expand Public Service Loan Forgiveness. This Public Service Loan Forgiveness waiver opportunity only lasts until October 31,… Read more