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IBR vs RAP: They Are Not the Same Plan, Here's the Difference
IBR vs RAP, side by side: how each sets your payment, which loans fit, and 4 questions to ask before you switch: Repayment Assistance Plan vs IBR.
IDR Recertification Deadline: The Real Reason Your Payment Can Change
Your IDR recertification deadline is the real reason your payment can change each year. Find your student loan recertification date and read this before you recertify.
Pay Off Student Loans or Save? Read This Before You Decide
Pay off student loans or save? Read this before you decide: what to weigh, plus 3 myths about whether to pay student loans off or save for retirement.
PSLF for Nurses: Overwhelmed by the Rules? You're Not Behind
PSLF for nurses, explained in plain English: which hospitals count, how 12-hour shifts add up, and the PSLF requirements for nurses in a simple plan for moms on long shifts.
PSLF Form for Employer: 5 Things to Check Before You Submit
Before you send your PSLF form for employer signature, check these 5 things. Plus the real reasons a PSLF employment certification form gets sent back.
PSLF Requirements for Teachers and Nurses, Explained in 5 Steps
PSLF requirements for teachers and nurses in 5 plain steps: employer, full-time work, loans, plan and 120 payments. Plus a student loan help for teachers checklist.
Repayment Assistance Plan Explained: RAP Is Not SAVE With a New Name
The Repayment Assistance Plan explained in plain English: how RAP plan student loans payments are set, who can use it, and how it differs from SAVE and IBR.
SAVE Plan Ended? Read This Before You Pick a New Repayment Plan
The SAVE plan ended in March 2026. What to do after SAVE plan ends: your servicer deadline, the default plan, and your options in 4 steps.
Student Loan Payoff Plan: How Smart Moms Are Handling Their Debt
Build a student loan payoff plan that fits family life: list every loan, set up a simple student loan debt tracker, and pick the right plan before paying extra.
News & deadlines
All →- A court order ended the SAVE planBorrowers on SAVE were moved to other plans · Source: StudentAid.gov
- RAP opened, and Tiered Standard became the fixed plan for new loansNew plan options for federal borrowers · Source: StudentAid.gov
- Autopay sign-up deadline for the 1% interest-rate reductionSign up for autopay with your servicer · Source: StudentAid.gov
- PAYE and ICR close, no later than this dateBorrowers on these plans move to another plan · Source: StudentAid.gov
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