Student Loan Planner

Student loan reform just cleared the House in what's officially called the "One, Big, Beautiful Bill." If it becomes law, it could overhaul repayment into just two plans: the Old IBR plan and a new Repayment Assistance Plan (RAP) that scales payments between 1% and 10% of income over 30 years. But nothing is final. The next step is the Senate, where the path forward is less certain. We explore what the House bill includes, what changes could mean for current and future borrowers, and the broader implications for repayment, forgiveness, and access to education. Learn about key policy details, potential legal challenges, and what you should watch as the conversation continues in the weeks ahead. Key moments: (05:41) If courts strike down SAVE, it could force a rewrite of the student loan section of the bill (07:55) Changing voter turnout patterns could reshape midterm election outcomes in unexpected ways (11:35) Future students may lose PSLF eligibility for residency programs (14:44) Proposed changes could hit universities hard, leading to major job losses across higher education (17:16) Estimate your RAP payment to see what's affordable and compare your repayment options 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 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 [email protected] and we might feature it in an upcoming show!

The Repayment Assistance Plan, aka RAP, is another student loan overhaul, and people have a lot of questions. Learn what this plan actually is, why it matters right now, and the real chances of it becoming law. If you're wondering when or if you could switch to this plan, we've got you covered. The RAP might completely change how student loan repayment works. We're unpacking all the details and what you might want to keep in mind if you've got loans. Key moments: (03:55) If you're close to forgiveness, sticking with IBR will probably make more sense (05:16) This administration is rushing student loan changes before finalizing regulatory details (09:59) There's still a long way to go, and some Senators just want to bring back REPAYE (13:08) Graduate professions would lose diversity if only students from wealthy families could afford them 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 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 [email protected] and we might feature it in an upcoming show!

The Republican student loan bill is gaining steam and could seriously impact your repayment strategy. Let me break it down for you: undergrads might actually see some benefits here, but if you've got grad school debt? You might want to sit down for this one. Current borrowers won't get hit as hard as future ones, but painful changes could be on the horizon. Get insights into the legislative process, the strategy behind budget reconciliation that's pushing this bill forward, and practical ways to think ahead while the details are still in flux. Key moments: (05:30) PSLF could be eliminated through reconciliation with a simple majority vote (06:45) A look at the proposals currently being considered in the bill (09:13) The bill slightly helps undergrads while potentially devastating graduate borrowers (14:48) Loan limits could restrict first-generation students from accessing medical, dental, and veterinary programs (18:30) This "Big Beautiful Bill" will likely reach the President by September 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 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 [email protected] and we might feature it in an upcoming show!

Guess what? We are moving this Friday episode over to the new Financially Free Era podcast! It is the next step to your financial planning journey after your student loan plan has been tackled with us here at Student Loan Planner. We hope this new show will answer your questions of: What else do I need to do? What else can I do to optimize my savings? How can I start saving for that goal that I have?" SLP Wealth was born to be that next step. So naturally, we need to start separating from our initial starting point, which is Student Loan Planner. So we have created a whole new show: Financially Free Era by SLP Wealth. Follow and Subscribe for free to the new show! Follow on Apple Podcasts, Spotify, Amazon Music, iHeart Radio, or Pocket Casts

Can "save more" be bad advice? We're pulling back the curtain on something financial advisors rarely discuss: how saving too much can harm your quality of life. We'll unpack the uncomfortable truth about how all professions, including my own, handle potential conflicts of interest. This isn't about vilifying financial planning — it's about making sure the help you get is truly in your best interest, and not just serving someone else's bottom line. Key moments: (01:31) When financial planners pressure clients to invest bonuses rather than enjoy them (04:36) Fee structure matters less than the value received for the financial advice given (08:12) Most people overspend on things they don't even like (15:50) Bad advice often comes from people who don't understand your situation 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 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 [email protected] and we might feature it in an upcoming show!

Want to keep more money in the family? Hiring family members in your business can translate into some big tax savings — and set your kids up to get ahead with their own savings. Fresh off tax season, we explore the ins and outs of putting kids and spouses on the payroll, weighing the pros and cons, and sharing actionable tips for business owners looking to leverage this strategy. You'll also learn compliance essentials, common pitfalls, and the legal frameworks you need to keep in mind, whether you're running a dental practice, a family restaurant, or thinking about getting started as an entrepreneur. Key moments: (07:04) Practical tasks your child can do legitimately in your business (12:15) How hiring family can help you qualify for valuable QBI tax deductions (14:40) Choosing the right business structure impacts family employment tax advantages (22:06) Guidelines for staying compliant with federal child labor laws (34:50) Balancing your child's income to optimize college financial aid eligibility 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 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 [email protected] and we might feature it in an upcoming show!

House GOP has proposed a new bill that would radically reshape student loans for years to come. But it would also impact existing borrowers too if were to pass.

Got student loan questions weighing on you? You're definitely not alone. This week, we're opening up the Student Loan Planner mailbag to tackle some of the most pressing issues borrowers are facing. Should you switch IDR plans? Is Public Service Loan Forgiveness (PSLF) buyback the right move? We also address the very real frustrations with federal loan servicers — the long hold times, the inconsistent information, and the impact of staffing shortages. Beyond that, we'll cover practical tax filing strategies that could lead to significant savings, how to identify potential calculation errors in your loan details, and offer an update on the ongoing delays with forgiveness applications. If you're ready for clarity on your student loans, this episode delivers the answers you need in 2025. Key moments: (04:37) Stressing about interest accrual could be counterproductive on your path to loan forgiveness (07:45) The PSLF buyback steps, and remember your qualifying payments don't need to be consecutive (16:53) Despite common talk of "old" and "new" IBR, there is technically only one Income-Based Repayment plan (26:07) A payoff strategy for a high-income physician facing loans without PSLF (43:33) Military families face unique PSLF considerations, with state residency affecting community property rules Links mentioned: Income-Driven Repayment (IDR) Plan Request PSLF Help Tool Compare refinancing lenders 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 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 [email protected] and we might feature it in an upcoming show!

Tax season might be in the rearview mirror, but if you're self-employed or earn income outside of a regular paycheck, quarterly estimated taxes are still very much on your radar. We're showing you how it all fits together — what they are, who needs to pay them, and how to calculate what you owe. Learn key dates to remember, simple ways to estimate your payments, how to use the IRS's "safe harbor" rule to avoid any unexpected penalties, and simple strategies to avoid underpaying and giving the government an interest-free loan. It's all about staying ahead without stressing out — or paying more than you have to. Key moments: (01:15) W-2 employees have taxes automatically deducted, while 1099 workers must save and plan on their own (06:28) Simple ways to estimate your tax bill without getting lost in spreadsheets or complicated calculations (17:21) The four big tax due dates to circle on your 2025 calendar right now (20:18) The IRS safe harbor rule helps you avoid penalties, even if your estimates aren't perfect 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 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 [email protected] and we might feature it in an upcoming show!

The Department of Education dropped a bombshell announcement that would've killed a loophole strategy many of you use to keep your student loan payments manageable, only for the agency to quickly walk it back after public outcry. What actually happened? Was this ED deliberately trying to break the law and eliminate the married filing separate option, or was it just an honest mistake? You'll hear the latest on how advocacy, lawsuits, and a fair bit of confusion among government officials have shaped repayment, and what it means for your student loan strategy (spoiler: the loophole lives... for now). Key moments: (01:58) The income-based repayment (IBR) married filing separate rule is actually written into federal law (05:08) Department of Ed issued a corrective statement claiming the announcement was a mistake (07:15) Recertification dates extended, creating confusion around timeline requirements (09:57) Despite complications, there are positive developments worth highlighting for borrowers (10:58) House GOP advances budget reconciliation bill that could impact student loan programs 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 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 [email protected] and we might feature it in an upcoming show!

Last week, the market went on a wild ride, and it all started with steep tariff hikes — especially on imports from China. The market's reaction was fast and furious, with sharp drops and an even quicker rebound. So, what's the deal with tariffs, and why do they send markets into a frenzy? Learn the basics of tariffs, why uncertainty can send investors into a panic, and how fear, headlines, and knee-jerk reactions fuel market chaos. But it's not all doom and gloom. We also explore practical strategies for keeping your cool, sticking to your long-term plan, and even turning market dips into opportunities. Listen in for the tools to confidently ride out market storms, make smart decisions, and protect your financial future. Key moments: (01:48) What are tariffs and how did they change last week? (06:07) The impact of tariffs on your investments and what it means for your portfolio (11:20) Don't let a down market scare you — think of it as a sale if you're investing regularly (13:56) Three common ways people react to market dips and why they matter (20:51) We can't control the market, but we can control how we protect ourselves from it. 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 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 [email protected] and we might feature it in an upcoming show!

The Department of Education just dropped a negotiated rulemaking announcement, and while it might sound like dry policy talk, this one's worth your attention — especially if you're pursuing Public Service Loan Forgiveness (PSLF), on Pay As You Earn (PAYE), or using Income-Contingent Repayment (ICR). Learn what negotiated rulemaking actually means, why it matters, and what kinds of changes could be on the horizon for federal student loan repayment. We'll also walk through the strategy behind these proposed updates, what the timeline might look like, and the political and legal dynamics that could affect how this all plays out. Key moments: (03:20) My initial take: borrowers don't need to panic just yet — and here's why (05:35) What these changes could actually mean for PSLF borrowers (06:59) PAYE and ICR might be affected, but IBR is protected by statute (10:49) The GOP proposal targets nonprofit hospitals, but I don't think it'll go anywhere (12:34) With 2026 elections in sight, student loan overhauls will probably stay pretty modest 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 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 [email protected] and we might feature it in an upcoming show!

Health Savings Accounts (HSAs) don't always get the spotlight, but they should. They're one of the most flexible and tax-friendly tools out there — and we're digging into why. We're joined by Kathleen Boyd, CFP®, for a practical conversation about how HSAs work. Learn how much you can contribute based on your health plan, how things change once Medicare enters the picture, and how to use an HSA as a long-term savings strategy (not just a place to park cash for doctor's visits). You'll walk away with real-world tips and a clearer idea of how to actually use your HSA. Key moments: (03:41) Who can contribute to an HSA? Individual vs. family contributions (10:20) HSA catch-up contributions once you reach a certain age (13:46) Overlooked strategies for funding HSAs (24:16) Life circumstances and changes dictate how much you can contribute to your HSA (39:08) Why you might want to move pretax money from an IRA to an HSA 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 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 [email protected] and we might feature it in an upcoming show!

The Trump administration recently pushed out income-driven repayment (IDR) recertification dates — some all the way to 2027. (I'm not even kidding.) But can you actually count on these extensions? We're breaking down who should trust these announcements and who might want to proceed with caution. We'll also talk about the bizarre game of musical chairs happening between government departments. One minute it's the Department of Education handling things, then suddenly it's the Small Business Administration, and now the Treasury Department's involved? It's like watching a bureaucratic shell game in real time. Listen in as we try to make sense of what's going on, what you can trust, and what steps you should take to protect yourself. Key moments: (00:51) President plans to move student loans to Small Business Administration despite questionable legality and no operational details (04:05) Trump White House surprisingly ordered an extension of borrower recertification dates to no sooner than February 2026 (07:14) Court decisions that finally put an end to the SAVE plan could force millions of borrowers into disruptive repayment plan changes (15:05) Maintain your peace of mind by focusing on what you can control in your financial life 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 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 [email protected] and we might feature it in an upcoming show!

Retirement isn't just about stepping away from your job — it's about building a life you actually enjoy and knowing how your finances will hold up when the paychecks stop. A lot of people think they're ready… until they realize they're not. We're walking through five warning signs that could throw your retirement off track. From skipping over withdrawal strategies to carrying debt into retirement — and maybe the biggest one? Not having a plan for what your days will look like once work is off the table. We'll break each one down with real examples, why it matters, and offer practical ways to course-correct — so you can head into retirement with confidence, not guesswork. Key moments: (02:13) Most retirees underestimate their early retirement spending — and it adds up fast (06:55) Without an inflation plan, retiring today at 60 could cut your purchasing power nearly in half by 80 (8:57) A smart withdrawal plan accounts for taxes, market downturns, and required minimum distributions (15:42) Carrying debt into retirement means high fixed costs that drag down your freedom (19:11) Retirement's not a finish line, it's a new chapter — think about how you'll spend your time 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 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 [email protected] and we might feature it in an upcoming show!

Student loans are a mess. They've been a mess for as long as we've been doing this, but right now? It's like someone took that mess, threw it in a blender, and hit "puree." We're answering a whole heap of listener questions. This episode is dropping on April Fool's Day, but no jokes or pranks here — just straight-up answers. Let's face it: the real joke is how convoluted this whole system has become. But we're tackling the questions head-on. And if you're one of the folks who sent in questions, thanks for trusting us with your financial headaches. We've got your back. Key moments: (04:34) The trap that will mean big trouble for borrowers if ICR gets repealed (12:06) No "processing shortcuts" exist — everyone's in the same slow-moving line (21:20) Inexperienced customer service representatives giving you the wrong answers (34:06) Why you might want to file a tax extension to see how student loan policies might shift (45:24) Financial windfall? Where to direct your cash for maximum impact Links mentioned: StudentAid.gov IDR plan request Certify employment for Public Service Loan Forgiveness (PSLF) 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 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 [email protected] and we might feature it in an upcoming show!

Have you ever thought, "wait, is that actually true?" while scrolling financial TikToks at 1 a.m.? We've been there, too, and the advice can be hit or miss. We've spent hours sorting through viral money videos to find six trends that actually contain real wealth-building potential — when you know how to apply them correctly. Learn what these popular money concepts really mean, which parts are legit, and most importantly, how to use these concepts to build wealth in your own life. Key moments: (01:31) Trend 1: Automate investing and use tax-advantaged accounts instead of basic savings (04:41) Trend 2: Buy back your time — paying others can actually make you more money (10:28) Trend 3: Stop wasting money on depreciating assets (14:10) Trend 4: The daily mindset practice to stay focused on financial growth (16:22) Trend 5: Protect your money with the right insurance coverage and estate planning (19:38) Trend 6: Never stop learning — budget for books, courses, and coaching 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 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 [email protected] and we might feature it in an upcoming show!

The IDR recertification deadline has been pushed back again — this time, to no sooner than February 2026. And while that might sound like good news on the surface, we know it brings up a ton of questions. That's exactly what we're unpacking in this episode. If you're on an income-driven repayment (IDR) plan or even thinking about it, tune in as we answer listener questions about what the new extension actually means for your monthly payments, whether it makes sense to start paying again now or keep riding the pause, and how this might (or might not) affect forgiveness programs down the road. Get insights and practical strategies to stay on top of your plan without going into a tailspin. Key moments: (00:31) Why it's important to be extra careful filing taxes this year (02:57) Paper vs. online IDR applications and why some are mailing backups (11:24) If you're in the Sweet v. Cardona group, is IBR worth it? (13:15) PSLF questions around buyback, forbearance, and filing a tax extension (19:35) What we know about the ongoing IDR application processing delays 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 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 [email protected] and we might feature it in an upcoming show!

Tax season is back, and while it's no one's favorite time of year, getting ahead of it can save you a ton of stress (and money). We're breaking down tax planning tips, retirement contributions, and the sneaky mistakes that could cost you. Plus, some unexpected tax trivia — turns out, pro athletes and farmers have some wild tax rules. And because we can't talk numbers all the time, we're debating the ultimate question: bar soap or body wash? Grab a coffee, get comfy, and let's tackle this tax season together. Key moments: (03:33) A midyear tax check helps avoid surprise bills from bonuses, side gigs, or investments (15:07) Roth IRA mistakes happen when you ignore next year's tax situation — think ahead (21:37) Smart estate planning keeps more wealth with your heirs or charities, not the IRS (26:02) Home office deductions have strict rules — don't push your luck with the IRS (34:24) Maxing out retirement accounts is great for taxes and asset protection, especially for physicians (34:57) Tax loss harvesting can lower your bill, so don't miss market downturn opportunities (42:24) A tax extension can help student loan borrowers keep flexibility for income recertification 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 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 [email protected] and we might feature it in an upcoming show!

Student loans are a mess right now, no doubt about it. But here's the thing: fear won't help you. I'm sharing a personal story about my struggles with anxiety, why the news cycle makes everything feel worse, and how calling out worst-case scenarios can actually give you more control. Plus, we're diving into the latest survey results from our audience — some frustrating, some shocking, but full of insights that could save you money. If you're feeling stuck, this episode will help you focus on what really matters. Let's talk strategy, not stress. Key moments: (01:39) Eye-opening survey results reveal major concerns from our audience (04:50) Many borrowers could drastically lower payments by filing taxes separately (09:12) PSLF's low success rate was intentional, here's why (19:30) Lawsuits and legal challenges mean the worst headlines aren't the final word (26:40) Student loans are frustrating, but they've also opened doors — don't lose sight of what you've gained 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 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 [email protected] and we might feature it in an upcoming show!

There's more turmoil surrounding the Department of Education (ED), with recent government layoffs and speculation about the ED's future making headlines. We're here to analyze what's real, what's political theater, and how these changes could impact student loan borrowers in the coming months. We also discuss the potential fallout from IRS and USAID layoffs, the legal and budget reconciliation updates that could shape repayment options, and student loan services that might be at risk. Plus, we'll share some personal reflections on staying sane in all this chaos. Key moments: (00:46) ED shutdown rumors may have been a strategic leak to test public reaction (03:36) PSLF and loan support teams have been gutted, making it harder to get help (07:22) Travis became a meme after a late-night Instagram Live on the ED stop-work order (13:02) Courts, Congress, and the executive branch are creating student loan policy chaos (20:20) Why we're more careful about sharing loopholes — and where to find exclusive insights 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 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 [email protected] and we might feature it in an upcoming show!

The Department of Education is facing potential shutdown, and a stop work order has stalled loan processing. If you're waiting on repayment plan approvals, PSLF progress, or forgiveness updates, this could directly impact you. We'll break down what's really happening, how this could affect your student loan strategy, and what to do if your application is stuck. Plus, we'll dig into the possibility of the Treasury Department taking over student loans and what that might mean for borrowers. If you have federal student loans, you need to hear this. Key moments: (00:32) Republicans have been wanting to close the Department of Education since 1979 (04:38) Student loan policy isn't really the priority for shutting down the Department of Education (06:12) Why borrowers should be concerned about the stop work order on income based repayment, forgiveness, and consolidation processing (11:49) Best advice for student loan borrowers for the next few weeks Links mentioned: Reddit IDR application link New paid newsletter SLP Insiders for exclusive content 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 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 [email protected] and we might feature it in an upcoming show!

Ever run into a frustrating roadblock with the IRS, the Department of Education, or another federal agency? Most people don't realize they have a direct line to help. Financial planner Scotty McDonald, CSLP®, joins us to break down constituent services — a little-known but powerful way to get help with federal financial issues. Plus, Justin Kim-Hummel from SLP Wealth shares insider know-how from his time working with senators and congresspeople on how to cut through red tape and get results. If you've ever felt stuck dealing with a federal agency, this episode is a must-listen. Key moments: (05:04) How to request help from constituent services when federal agencies drop the ball (08:17) Why you should always go through the largest state office — and how to get the best response (15:51) The secret to getting action: share deadlines and urgency to move things forward (19:15) Should you go to your House rep or straight to your Senator? How to choose the right office (23:06) How long does it take to get answers? What to expect from the process Links mentioned: Consumer Financial Protection Bureau FSA (Federal Student Aid) Ombudsman Office Congressional Research Service 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 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 [email protected] and we might feature it in an upcoming show!

The IDR and loan consolidation applications are down, repayment plans are shifting, and court rulings are throwing everything into question. If you're feeling stuck, you're not alone. Learn why the Department of Education is reworking the IDR and PSLF applications, what this means for your loan strategy, and how to make smart decisions despite the chaos. We'll also tackle listener questions about PSLF timing, repayment plan changes, and what potential policy shifts could mean for your forgiveness path. Key moments: (04:38) What the court ruling means for PSLF and ICR borrowers (07:16) Will my loans be forgiven? I'm two payments away from forgiveness and not IBR eligible (14:51) Is my income too high to qualify for financial hardship? (19:24) Do my Parent PLUS loans qualify for PSLF forgiveness? (23:06) What is the student loan "tax bomb" and will I have to pay it? Link mentioned: Request an income-driven repayment plan 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 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 [email protected] and we might feature it in an upcoming show!

Flying by the seat of your pants isn't a great strategy for your own finances, and it's downright risky when it comes to your aging parent's money situation. Many of us millennials and Gen Xers are suddenly realizing our boomer parents might need help, but where do we even start? We have a practical checklist for tackling those awkward money conversations with your parents. We'll guide you through insurance basics, tax considerations, and planning for future care needs so you don't get stuck making life-altering decisions in a crisis — have the conversation early so you're not scrambling when it might be too late. Key moments: (06:06) One conversation might not be enough and who to include in financial planning talks (11:20) Insurance policies and legal documents every family should review together (22:14) Housing decision factors: staying put, downsizing, and future-proofing their living space (30:23) The family balancing act: dividing financial and caregiving responsibilities between siblings 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 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 [email protected] and we might feature it in an upcoming show!

The legal battle over the SAVE plan just took another turn. With the injunction now made permanent, what happens next? Learn how this latest court decision affects your repayment plan, the impact on student loan forgiveness, and what it means for current and future borrowers. We'll also cover the legal and legislative angles, what to watch for in the coming months, and how to adjust your student loan strategy. If you're wondering whether student loan forgiveness is still in play or how this affects your next steps, tune in to this episode. Key moments: (02:48) The ICR statute doesn't explicitly promise forgiveness after 25 years (04:44) What the SAVE injunction means in plain terms (07:31) How this ruling could throw a wrench into House Republicans' tax cut plans (12:09) What to consider if you're in the SAVE forbearance or going for PSLF 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 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 [email protected] and we might feature it in an upcoming show!

If you've been setting goals but not seeing results, this might be the missing piece. The simple act of writing down your financial goals increases your chances of seeing them through by 33% to 42% compared to those who just keep them in their heads. Learn why writing your goals makes such a difference, and discover simple strategies to make your financial dreams a reality. From the psychology of goal-setting to small habits that lead to big wins, we're covering what it takes to turn your "someday" goals into real progress. Key moments: (03:37) Vague goals get vague results, but writing them down makes all the difference (09:57) Tracking progress keeps you motivated (18:39) A goal-based plan helps you adapt when life changes (23:56) Automation can help you reach your goals without constant effort 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 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 [email protected] and we might feature it in an upcoming show!

The student loan landscape is a mess — uncertainty, delays, conflicting headlines, and a whole lot of anxiety. Should you switch repayment plans? Are you eligible for PAYE? And how could political changes impact Grad PLUS loans and Public Service Loan Forgiveness (PSLF)? We're answering real borrower questions and sharing practical steps you can take right now so you don't get caught off guard by sudden changes. If you're feeling stuck, overwhelmed, or just unsure of your next step, this episode is for you. Key moments: (06:08) Should you switch to a new IDR plan or stick with SAVE? (13:19) Could an executive order eliminate Grad PLUS loans? (19:32) Can DOGE change access to PSLF or IDR forgiveness? (25:23) Taking time off for kids? Here's how to manage student loan repayment during career breaks (32:43) What to expect with student loans and income recertification Link mentioned: Income-Driven Repayment (IDR) plan request 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 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 [email protected] and we might feature it in an upcoming show!

This Valentine's Day, we're putting a fun twist on one of the most important (and tricky) parts of any relationship — money. We're playing a game of "Swipe Right or Left" to tackle common financial questions and relationship dynamics, deciding what's worth keeping and what needs to go. From engagement rings and budgeting to investing and prenups, we're sharing personal stories, financial red and green flags, and the key to open, honest money conversations with your partner. Expect a playful yet insightful discussion that will leave you with fresh perspectives, practical takeaways, and maybe even a few laughs. Because when it comes to love and money, making the right match matters. Key moments: (06:48) Is the stock market a risky move for young couples? (09:59) Engagement rings: How much to spend, and should proposals be a surprise (16:47) Estate planning essentials every couple should know (32:48) When spouses don't share the same financial goals 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 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 [email protected] and we might feature it in an upcoming show!

A lot of borrowers are concerned about what would happen if the Department of Education gets eliminated. We'll walk through exactly what can and can't change based on the law, from Public Service Loan Forgiveness (PSLF) and Income-Driven Repayment (IDR) plans to the impact on your student loans. Plus, I'll give you clear guidance and action steps to prepare your finances. If you're worried about recertifying your income or wondering if you should refinance, this episode will help calm your nerves and give you practical steps to protect yourself. Key moments: (03:20) Your IDR payments could spike if you don't plan for how you'll file your tax return (04:54) Potential PSLF and IDR program changes that could affect your forgiveness (10:24) What a Department of Ed shakeup could mean for your student loans (14:33) The debt-to-income formula that determines your best loan strategy (19:41) The reconciliation bill could reshape IDR programs 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 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 [email protected] and we might feature it in an upcoming show!

Most people treat insurance as a set-it-and-forget-it expense — but that approach could be costing you. We're going beyond the basics with industry experts Bobby Jackson and Taylor Walker from Rhodes Advisors to unpack the forces driving rising property and casualty (P&C) insurance costs. Y ou'll learn why premiums are climbing, how natural disasters and market trends play a role, and what brokers bring to the table. We'll also explore strategic claim filing, the importance of your insurance score, and why personal cyber coverage is becoming essential. If you're a high-income professional looking to protect your assets and make smarter insurance decisions, this episode is a must-listen. Key moments: (06:56) Market trends and why insurance costs are rising while coverage gets tougher (18:45) Key factors to consider before switching insurance providers (28:35) How strategic claim filing and your insurance score impact premiums (36:14) The role of personal cyber coverage in protecting your credit and finances Link mentioned: Visit Rhodes Advisors 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 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 [email protected] and we might feature it in an upcoming show!

Confirmation battles are heating up, and student loan policy hangs in the balance. Linda McMahon is set to take over the Department of Education, but will her past come back to haunt her? More importantly, who will actually be in charge of student loan decisions? We address why student loans have been on the back burner, what could change, and how much power the Trump administration really has over repayment plans, IDR adjustments, and recertifications. Plus, we tackle must-hear listener questions to help you navigate shifting student loan policies, avoid costly missteps, and make the best decisions for your repayment strategy. Key moments: (00:43) Linda McMahon's confirmation is all but certain, despite past allegations (05:56) Who will shape Trump's student loan policy? With confirmation battles ahead, there's no clear leader yet(06:46) Student loans aren't a priority for Trump's education team — where does that leave borrowers? (15:00) Over 300 qualifying payments and still waiting… should you switch repayment plans, or does it even matter? (20:46) Could Trump erase the IDR account adjustment? Yes, but it isn't likely (32:14) IDR recertification is in Trump's hands, and borrowers need to be ready with the right tax returns 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 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 [email protected] and we might feature it in an upcoming show!

Personal finance is a journey, and we've spent years guiding clients through its twists and turns. Now, we're sharing the top 10 lessons we've learned — insights that can help you tackle student loans, achieve financial goals, and navigate the emotional side of money. Learn how simplicity can transform your financial plan, why celebrating small wins keeps you on track, and how to stop lifestyle creep before it derails your progress. We'll also cover the smartest way to automate your finances, strategies for handling life's curveballs, and the power of saying no when it really counts. Key moments: (05:23) Money isn't just numbers, financial success is balancing math with behavior (11:11) Building an emergency fund isn't glamorous, but it's essential (18:10) Why financial planners ask so many questions (24:48) Automating your finances lightens the mental load and leads to big results (29:55) Learn to say no to purchases, bad investments, or family requests — even when it's uncomfortable Links mentioned: Monarch Money 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 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 [email protected] and we might feature it in an upcoming show!

The first week of a new administration always brings a flurry of activity, but despite a wave of executive orders, the Trump administration hasn't touched student loans… yet. What does this mean for borrowers? Let's unpack the silence and uncover what this lack of immediate action says about the administration's priorities. If you're curious about policy changes or want to stay ahead of the curve, we break it down in plain terms to help you understand what's happening — and what could be next. Key moments: (01:42) Promises made under the Biden administration might not carry over in a Trump administration (06:59) Borrowers could be asked to restart payments soon, potentially as early as this spring (08:27) Should you get an extension to file your tax return? (10:52) The big legislative focus is what's happening with the reconciliation bill (16:35) We're still waiting for rulings from the 8th Circuit Court. Will they act, or will Trump's team make the call? 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 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 [email protected] and we might feature it in an upcoming show!

The age-old question of renting versus buying takes center stage in this episode as we explore whether the American dream of homeownership lives up to the hype. Jake Courtney, CFP®, CSLP®, a financial planner with the SLP Wealth dental team, joins us for a lively debate as we dig into the financial and lifestyle factors that go into this decision, bust some common myths, and help you weigh what's right for your situation. In the end, we'll help you decide if buying a home is truly all it's cracked up to be. Key moments: (07:07) The costs of homeownership go beyond the mortgage and include "phantom" expenses you might not expect (13:30) Using the price-to-rent ratio to decide if buying or renting is the smarter financial move (17:08) Why renting isn't always "throwing money away" — key factors to consider before deciding (26:21) Renting might be your best option if you've just bought a business or can't yet qualify for a mortgage Links mentioned: Rent vs. Buy Calculator for Residency/Fellowship Financially Free Dentists podcast 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 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 [email protected] and we might feature it in an upcoming show!

With a new Trump administration taking office, the next 100 days could shape the future of student loans in America. We're breaking down what we're watching and what these potential changes could mean for borrowers. Key moments: (01:06) The GOP's budget reconciliation bill and how it could impact borrowers nationwide (03:46) A closer look at the proposal to end time-based forgiveness and require full repayment of principal plus interest (05:03) How student loans factor into the GOP's proposed spending cuts and what might happen next (10:16) Will the Biden administration's IDR account adjustments survive under GOP leadership? 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 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 [email protected] and we might feature it in an upcoming show!

What's next for student loan borrowers in a world of shifting repayment plans and interest rates? Financial planner Sim Terwilliger, CFP®, CSLP®, joins us to break down the potential repeal of the SAVE plan and how it could reshape repayment strategies. We explore why PAYE or IBR might take center stage, when refinancing could make sense, and why it's always a case-by-case decision. If you're PSLF-eligible or unsure how these changes impact your financial future, this episode has the answers you need. Key moments: (01:51) PAYE might be the go-to repayment plan if SAVE is repealed (and we think it will be) (07:04) Refinancing your loans could make sense, but it isn't for everyone (16:08) The trade-offs of refinancing, including losing federal protections (22:30) Why refinancing is a no-go if you're PSLF-eligible 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 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 [email protected] and we might feature it in an upcoming show!

If you've been wondering how to level up your finances in 2025, we've got you covered. Discover our top 10 strategies to help grow your wealth, including smart investment moves, must-know insurance tips, and how to recession-proof your finances without losing sleep. But it's not just about numbers. We'll talk about how mental health and money intersect, share some personal stories, and give you real-world advice you can use. If growing your wealth and simplifying your financial life are on your radar for 2025, this episode is a must-listen. Key moments: (04:17) Tracking your spending reveals the true story of your finances (10:20) Protect your mental health by embracing where you are, without the pressure to be more (16:50) Avoid costly tax mistakes by understanding cost basis (23:43) Plan for the worst while appreciating the best (balancing gratitude with preparation) (32:47) Understanding your finances is the first step to building a life with purpose and balance 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 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 [email protected] and we might feature it in an upcoming show!

What's the real difference between being a 1099 contractor and a W2 employee? And who actually decides which one you are — your employer or state law? Financial planner Kathleen Boyd, CFP®, CSLP®, CBDA, joins us to unpack the distinctions between these classifications and what they mean for your career, finances, and legal obligations. You'll learn the IRS guidelines that determine your status, the pros and cons of each, and how being 1099 or W-2 impacts your retirement savings, tax planning, and benefits like Social Security and Medicare. Plus, we'll discuss unique situations like earning both W-2 and 1099 income from locum tenens work. Key moments: (04:43) Key differences between 1099 contractor income and W-2 employee income (11:16) How IRS rules determine if you're a 1099 contractor or should be classified as W-2 (17:21) The pros and cons of 1099 vs. W-2 status and how they impact your taxes, retirement, and benefits (30:56) What happens when you earn both W-2 and 1099 income as a locum tenens worker? Link mentioned: Worker Classification 101: employee or independent contractor

We'll look ahead at major changes in student loan repayments under the new Trump administration, with potential IDR recertification deadlines and implications of the 8th Circuit's decisions. Plus, I'll share a personal story about an investment mistake that cost me thousands and tips so that it doesn't happen to you. Key moments: (01:28) Student loan collections are restarting: what it means for your credit and forbearance (03:49) What cost basis is (and a personal story about how ignoring it cost me thousands) (09:49) Are AUM fees worth it? Breaking down the math (15:06) Understanding technical investing strategies can give you an edge in wealth-building 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 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 [email protected] and we might feature it in an upcoming show!

Is it possible to buy a home without a credit score? We're joined by special guest Steve Stewart, podcast editor, who shares how he moved his family to Colorado and secured a mortgage without a traditional credit score. Steve, who hasn't opened a credit account since 2008, reveals tools and strategies for documenting payment history, navigating homeownership as a single-income household, and overcoming challenges as a self-employed borrower. We also discuss why the credit scoring system prioritizes debt, how professionals with unconventional financial profiles can still secure a mortgage, and how to handle tax reporting, 1099 forms, and business structuring for freelancers and entrepreneurs. Key moments: (05:29) The myth that a credit card is safer than a debit card (09:19) Strategies to get a mortgage without a traditional credit score or manual underwriting (21:36) What living without credit means for missing out on card perks (27:13) Simplifying 1099 income reporting and third-party processor confusion Links mentioned: eCredable Experian Boost Steve Stewart Podcast Editing services 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 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 [email protected] and we might feature it in an upcoming show!

Student loan repayment plans are in chaos. From the PAYE and ICR confusion to the ongoing servicer challenges, borrowers face an overwhelming mess. We break down what's happening, what changes might be coming, and how to stay ahead in an unpredictable system. On the investing side, we're tackling the dominance of U.S. stocks since 2008, asking whether their reign is coming to an end. We'll explore the rise of cryptocurrencies, the risks of betting too heavily on any one market, and why diversification remains critical to long-term financial success. Key moments: (01:23) How reopening the ICR plan lets high-income borrowers qualify for forgiveness and PSLF (03:16) U.S. stocks have outperformed international markets by 3.5x since 2008 (07:23) Bitcoin's wild swings, why it mirrors U.S. stocks but amplifies market moves (11:45) Why investors tend to chase risky stocks and overlook safer opportunities (15:40) The importance of a diversified portfolio for professionals, no matter your student loan debt (16:49) Key investment strategies to prioritize as 2025 approaches Links mentioned: Department of Education Announces Borrowers Can Now Apply for Additional Income-Driven Repayment Plans WSJ: Young Men Are Making Risky Bets on Crypto and Politics—and Raking It In Right Now 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 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 [email protected] and we might feature it in an upcoming show!

The clock is ticking on the double consolidation loophole for Parent PLUS Loans, which closes in July 2025. Learn what this change means, why borrowers must act quickly, and how to make the most of the remaining time. We'll tackle the big questions: Should you file taxes jointly or separately? How do Medicare penalties and student loan repayments overlap? And what strategies can help you maximize income-driven repayment (IDR) plans before the loophole disappears? Jared Costigan, CFP®, CSLP®, a financial planner with the SLP Wealth team, shares expert advice on preserving retirement savings, aligning Social Security with loan repayment, and leveraging Public Service Loan Forgiveness (PSLF). Key moments: (05:16) Parent PLUS debt surged 63% from 2015 to 2022 as the cost of college climbs (9:19) The double consolidation loophole could save you from paying 20% of your retirement income (19:38) Who benefits most from a double consolidation? Borrowers with balances nearing or exceeding their income (27:56) Income planning ties Social Security and loans to retirement timing — don't overlook it (37:32) Filing taxes separately can lower loan payments but may raise Medicare costs Links mentioned: Financially Free Physicians podcast Department of Education Parent PLUS Loans Parent PLUS Double Consolidation Loophole Guide for 2025 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 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 [email protected] and we might feature it in an upcoming show!

This episode is packed with answers to listener questions about student loans. From Public Service Loan Forgiveness rules to spousal consolidation loans, we're covering real-life scenarios that borrowers face every day. Wondering how family size changes affect payments or what to make of new repayment plans? We've got you. Tune in for practical advice, expert tips, and answers to the questions you didn't even know you had. Let's get into it! Key moments: (04:07) Tackling spousal consolidation loan headaches and finding a way forward (06:44) Why claiming dependents can impact your loan forgiveness taxes (15:41) Nearing forgiveness? Here's what to know about IBR qualification (18:37) Forbearance confusion: Does processing or administrative forbearance count for PSLF? 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 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 [email protected] and we might feature it in an upcoming show!

The shocking murder of UnitedHealthcare's CEO is a tragic story that highlights deeper issues within the health insurance industry — wealth, greed, inequality, and power dynamics — and raises important questions about the prioritization of profits over patient care. We're taking a closer look at the broader implications of this event and its ties to the systemic challenges healthcare professionals already know too well. Sim Terwilliger, CFP®, CSLP®, joins us and shares a personal connection to the story. We explore the emotions and frustrations it brings up, especially for those working in a system often criticized for putting profit before people. Key moments: (04:35) Unpacking the growing anger toward health insurance companies (10:36) Insurance companies overriding physicians leads to worse outcomes for patients (13:00) A recap of what happened, the manifesto, and the controversial sympathy for the alleged shooter's motives (21:07) Fear and frustration leave many wondering if change in healthcare is even possible 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 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 [email protected] and we might feature it in an upcoming show!

The PSLF buyback program could be the key to reaching forgiveness faster, but there's a catch. You must use exact language in your reconsideration request, or it won't count. Without it, your request might be dismissed as just an inquiry — seriously. We break down everything you need to know about PSLF buyback, including the steps to get your application right the first time, how this program came to be, and why it's still available despite the SAVE plan injunction. Plus, we'll touch on the importance of keeping an eye on refinancing rates and what to expect if policies shift under a new administration. If you're worried about PSLF or wondering how things might change under a different political landscape, this episode has the answers to help calm your nerves. Key moments: (01:51) The exact steps and language needed to apply for PSLF buyback (05:32) How PSLF buyback could save borrowers a ton of money 07:34) Potential impacts if a Trump administration repeals PSLF buyback or the SAVE plan (11:02) How falling refinancing rates could create new opportunities for borrowers 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 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 [email protected] and we might feature it in an upcoming show!

Social media is overflowing with flashy trends and hyped-up advice, making it easy to feel like you're missing out. From "get rich quick" schemes to so-called success shortcuts, the constant FOMO can lead to bad financial habits and second-guessing your decisions. We're exposing the trends that claim to help but actually hold you back. Discover how harmful financial behaviors and misleading investment advice can keep you stuck — and learn how to avoid these traps. Tune in for practical tips to cut through the noise and focus on building real, sustainable financial success. Key moments: (01:39) Influencers say "do this," but their success doesn't mean it'll work for you (10:07) Are you falling behind, or is social media making you feel that way? (22:47) Unqualified influencers sell dreams, but they rarely deliver real results (29:53) Hustle culture glamorizes nonstop work but keeps you from what really matters 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 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 [email protected] and we might feature it in an upcoming show!

Over the past four years, student loans have been at the center of some of the most dramatic changes we've ever seen — both good and bad. We'll explore the Biden administration's legislative and executive actions, such as making student loan forgiveness tax-free through the American Rescue Plan, the PSLF waiver, and the introduction of the SAVE plan. Along the way, we'll unpack the political pressures Biden faced, comparisons to FDR, and the influence of key players like Senator Warren and Richard Cordray. In addition, we'll examine the political ramifications and speculate about the future of student loan policies under a Republican-controlled government. Key moments: (06:13) Misrepresented loan repayments paved the way for executive actions (11:01) A once-in-a-generation opportunity to rewrite the social contract (17:57) Why Republicans saw an opening to sue over student loan cancellation (21:13) The SAVE plan's billion-dollar promise — and why it was never realistic (26:08) Are plans in motion to roll back Biden's student loan reforms? What we're hearing 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 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 [email protected] and we might feature it in an upcoming show!

Roth IRAs are a fantastic tool for building tax-free retirement wealth, but they're not without their pitfalls. Uncover common Roth IRA mistakes, like contributing too much, missing key deadlines, or triggering taxes you didn't expect — and how to avoid them. Already made a misstep? Don't worry. We'll walk you through how to fix these mistakes, from recharacterizing contributions and correcting excess contributions to handling IRS notices. Key moments: (04:35) Why a Backdoor Roth IRA might be right for you (and the new 2025 phase-out limits) (10:01) The five steps to completing a Backdoor Roth IRA (16:32) Common Roth IRA mistakes and how to fix them (19:27) The Pro Rata Rule and its potential tax consequences (24:57) Strategies to avoid taxable conversions 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 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 [email protected] and we might feature it in an upcoming show!

If you're counting down your final PSLF payments and feeling like you're losing your mind with all the uncertainty, this episode is for you. We'll tackle what's actually worth worrying about when you're close to forgiveness, explore strategies for navigating the final stretch, dig into the PSLF buyback situation, and cover what you need to know about potential new repayment plans and legislative changes on the horizon. Key moments: (01:19) Misinformation about applying for PSLF buyback: What's real and what's noise (08:31) Court rulings, tax changes, and what they mean for forgiveness programs (15:14) What to do while waiting for IBR application processing (16:07) New Republican proposal to reset student loan interest rates 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 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 [email protected] and we might feature it in an upcoming show!