Will Some Folks Get Stuck with 30-Year IDR?
Student Loan Planner · Travis Hornsby
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Show Notes
The new 30-year Repayment Assistance Plan (RAP) could be the only option for federal student loans after July 2026 — but even current borrowers aren't safe if they don't take action. Discover what moves to make to avoid getting stuck with decades of payments. Also, learn about new rules affecting Parent and Grad PLUS loans. If facing 30 years of student loan payments sounds brutal, this episode is for you.
Key moments:
(02:54) The new $200k loan cap means high earners will likely pay off loans before getting forgiveness
(05:44) Education has become a defining fault line between the two political parties
(14:55) Grad schools might start using undergrad-style aid talks for tuition and discounts.
(18:08) A wave of confusion is on the horizon for borrowers, peaking in April 2026
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