Student Loan Impact Tracker

• Consenting to IRS data pull lets the Department of Education obtain income figures electronically, eliminating manual uploads and verification...

• Katrina Harris, single mom with $200k+ debt, saw payments triple to $950/month after SAVE plan ended.
• Despite six-figure salary, she struggles...

A new bipartisan bill would let more repayment plans count toward Public Service Loan Forgiveness.

• The PSLF Inclusion Act of 2026 would count...

Borrowers cannot rely on calls or emails from servicers about repayment plans ending or PSLF ineligibility. Verify all notices and eligibility directly before switching plans or making account decisions.

Federal student loan borrowers enrolled in autopay now receive a 1% interest-rate reduction—tripled from 0.25%—effective July 1 under the One Big...

The House bill blocks transfers for four Education Department offices but leaves Federal Student Aid and the $1.7 trillion loan portfolio handoff to...

MOHELA services $315.9 billion in loans for 6.73 million borrowers and handles PSLF, IDR, and other federal forgiveness options.

• Verify PSLF...

Selling federal student loans to private investors would transfer servicing to commercial firms, raising immediate concerns over compliance,...

RAP uses AGI brackets for monthly payments after subtracting $50 per dependent (minimum $10):

• $25,000 AGI + 2 children: $10/month on RAP vs $0 on...

After a discharge denial, borrowers must act quickly to protect options and avoid surprises.

• Save the notice and circle the denial date to start...

Could automatic IRS matching route struggling borrowers into affordable IDR before wage garnishment or tax offsets hit?

• Mechanics: Day-31 notices...

New college freshmen face elevated federal loan costs as the 10-year Treasury yield hovers near 4.8% and the federal funds rate near 3.63%, directly...

Compare expected career earnings against total tuition and loan costs before signing any federal or private student debt, advises lawyer Jay...

IDR forgiveness becomes federally taxable again for balances discharged on or after January 1, 2026, hitting non-PSLF borrowers with ordinary-income...

Senators are pressing the Education Department for a full breakdown of the $1 billion OBBBA implementation fund, starting with how the first $216...

New federal limits from the One Big Beautiful Bill Act are hitting Michigan families hard, with Parent PLUS and Grad PLUS changes creating immediate...

• Key deadline: October 10 to apply for federal student or Parent PLUS loans
• Complete all outstanding requirements immediately to prevent approval or disbursement delays
• Applies to Fall 2026 borrowing—delays could affect next 1–3 billing cycles

New federal student loan rules effective July 1 triggered widespread disbursement delays as colleges scrambled to update systems.

• Mikiah Roberson...

Senators Warren, Merkley, Booker, and Van Hollen are pressing ED Secretary McMahon for full details on the $1 billion administration fund, urging its...

Alaska combines state and federal rules to shield more of your paycheck from most creditors than many states allow.

• Weekly floor: Creditors must...