Guides
Plain-English decision pages based on current federal rules. Start with a category, or jump to a calculator when you are ready for numbers.
Grad school funding
Direct loan caps, Grad PLUS, and how to fill a graduate funding gap after July 1, 2026.
Repayment plans
RAP, IBR, Tiered Standard, and what changed after SAVE ended.
Refinancing
When refinancing helps, when it costs federal benefits, and how to compare offers.
Forgiveness and PSLF
Public Service Loan Forgiveness and why federal protections matter.
Parents
Parent PLUS caps and repayment choices after July 1, 2026.
Private loans
How to read offers, cosigner questions, and federal vs private tradeoffs.
All guides
- Federal Autopay Discount and Small Repayment Wins (repayment)
- Federal vs Private Student Loans (private-loans)
- Grad PLUS Is Gone for Most New Borrowers: How to Pay for Grad School Now (grad-school)
- How the Grad Funding Gap Calculator Works (grad-school)
- How to Pay for an MBA After July 1, 2026 (grad-school)
- How to Pay for Law School After July 1, 2026 (grad-school)
- How to Pay for Medical School After July 1, 2026 (grad-school)
- How to Pay for Nursing and Health Programs After July 1, 2026 (grad-school)
- How to Read a Private Student Loan Offer (private-loans)
- New Federal Direct Loan Limits in 2026 (grad-school)
- Parent PLUS Loans After July 2026 (parents)
- PAYE and ICR End in 2028: What Borrowers Should Do Next (repayment)
- Private Student Loans Without a Cosigner (private-loans)
- PSLF in 2026: Do Not Refinance Federal Loans Yet (forgiveness)
- RAP vs IBR vs Tiered Standard: Which Federal Plan Fits? (repayment)
- Repayment Assistance Plan (RAP) Explained (repayment)
- SAVE Ended: What to Do Now (repayment)
- Should I Refinance Federal Student Loans in 2026? (refinancing)
- Student Loan Scams and Paid Forgiveness Pitches (forgiveness)
- Tiered Standard Plan Explained (repayment)