Student Loan Planner copertina

Student Loan Planner

Student Loan Planner

Di: Travis Hornsby
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Travis helps you navigate the insane world of student loans, especially if you owe $20,000 to $1 million. If you've ever spent too much time on the phone with your loan servicer, this is the show for you. Every week we share tips on loan forgiveness, investing, crushing debt, and how to get to financial freedom when you owe more than most people's mortgage.© Copyright Student Loan Planner®. All Rights Reserved. Economia Finanza personale Ricerca del lavoro Successo personale
Episodi
  • Weird Student Loan Notices, IBR Payment Caps, and PSLF Buyback Delays

    Weird Student Loan Notices, IBR Payment Caps, and PSLF Buyback Delays
    Oct 20 2026
    If you’ve recertified your student loans lately, odds are your inbox is flooded with confusing, maybe even contradictory, servicer messages. For physicians, dentists, veterinarians and anyone trying to get PSLF or keep payments low, these “weird” communications can cost you big — especially if you misread your repayment status or aren’t clear on PSLF buyback timelines. We’ll walk through what these new messages really mean, practical steps for navigating delayed PSLF Buyback approvals, and how your retirement savings choices can lower not just your taxes, but your student loan payments, too. You’ll learn how to read between the lines, advocate for yourself, and avoid mistakes that could cost you months or even years on the path to forgiveness.Key moments:(00:00) What “reduced payment period” notices mean for borrowers on IBR(04:08) How the 10-year standard repayment cap works for high earners on IBR(05:11) Confusing payment start dates from servicers like Mohela, and how to respond(08:35) How workplace retirement plans can lower student loan payments(12:58) PSLF buyback delays and the risks of submitting new employer certification formsResources mentioned: PSLF Buyback FAQMohela Contact UsLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:Free Student Loan newsletterIf you are not already getting our weekly newsletter every Thursday, you are missing out. We break down studio loan news, updates, money tips, all in one helpful newsletter. Sign up for free at https://studentloanplanner.com/newsletterThe SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplanner
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    21 min
  • Recertification vs. Recalculation for Student Loan Borrowers

    Recertification vs. Recalculation for Student Loan Borrowers
    Oct 13 2026

    Millions of student loan borrowers are coming off SAVE forbearance, and many haven't updated their income information in years. If you're a physician, dentist, or other professional with federal student loans, your next steps could have a big impact on your monthly payment. Learn the differences between income recertification and recalculation, when to use alternative income documentation, and how life changes like marriage, job loss, or a growing family can affect your payments.

    We cover what to watch for, how to avoid costly mistakes, and what you can do to keep your payments manageable.

    Key moments:

    (04:14) Choosing tax returns or alternative documentation for lower payments

    (09:57) The difference between recertification and recalculation, and when to use each

    (13:45) Counting dependents and family size to maximize payment relief

    (17:17) Adjusting student loan payments when your life situation changes

    (20:18) What happens if you miss your recertification deadline

    Like the show? There are several ways you can help!

    • Follow on Apple Podcasts, Spotify or Amazon Music
    • Leave an honest review on Apple Podcasts
    • Subscribe to the newsletter
    • Join SLP Insiders for student loan loopholes, SLP app and member community

    Feeling helpless when it comes to your student loans?

    • Try our free student loan calculator
    • Check out our refinancing bonuses we negotiated
    • Book your custom student loan plan
    • Get profession-specific financial planning

    Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

    Mentioned in this episode:

    Want more? Check out our other podcast

    Starting to think beyond your student loans? Check out our other show, Financially Free Era. It's about what comes next, investing, building wealth, and designing a life you actually want. Find "Financially Free Era by SLP Wealth" in your podcast app.

    Tips I Can't Share Publicly

    Getting our free newsletter? Upgrade your experience and discover student loan loopholes so good, they might get repealed if I talk about them publicly. Find out my very best thought leadership that I really just can't be open about anymore, unfortunately. If you want to get our very best tips, not just the ones that I can share for free. Go to studentloanplanner.com/insider to get a special discount for your year membership.

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    32 min
  • What To Do If You Can’t Pay Your Student Loans

    What To Do If You Can’t Pay Your Student Loans
    Oct 6 2026

    Payments are back, SAVE is over, and one in five borrowers is already behind. If your payment is unaffordable, or you've been ignoring your loans and want to know what happens next, this episode is for you.

    We’ll walk through your options before you miss a payment, what deferment and forbearance actually cover now, and the real timeline from delinquency to default. You'll also learn why loan rehabilitation usually beats consolidation, and the new rule that lets you rehabilitate twice starting July 2027.

    Key moments:

    (03:17) The latest delinquency and default numbers, and who is already behind

    (07:36) Income-driven vs. fixed plans when your payment is unaffordable

    (13:26) Deferment and forbearance options, and how to get them approved faster

    (20:32) What to do in the first 90 days of missing a payment to protect your credit

    (27:12) Loan rehabilitation vs. consolidation for getting out of default

    Like the show? There are several ways you can help!

    • Follow on Apple Podcasts, Spotify or Amazon Music
    • Leave an honest review on Apple Podcasts
    • Subscribe to the newsletter
    • Join SLP Insiders for student loan loopholes, SLP app and member community

    Feeling helpless when it comes to your student loans?

    • Try our free student loan calculator
    • Check out our refinancing bonuses we negotiated
    • Book your custom student loan plan
    • Get profession-specific financial planning

    Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

    Mentioned in this episode:

    Free Student Loan newsletter

    If you are not already getting our weekly newsletter every Thursday, you are missing out. We break down studio loan news, updates, money tips, all in one helpful newsletter. Sign up for free at https://studentloanplanner.com/newsletter

    The SLP YouTube Channel

    If you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplanner
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    39 min
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