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How to Talk About Student Loans With Your Partner Without Starting a Fight
Spouse and Partner Debt

How to Talk About Student Loans With Your Partner Without Starting a Fight

Student loan debt can feel like a third person in your relationship. It shows up in your budget, your sleep, your future plans, and your arguments...

1 month ago Read More
How to Build an Emergency Fund While Paying Off Student Loans
Emergency Funds

How to Build an Emergency Fund While Paying Off Student Loans

Paying off student loans can make an emergency fund feel impossible. Rent is due. Groceries cost more. Your loan servicer wants its payment. Then...

1 month ago Read More
Federal Consolidation vs. Refinancing: Which Student Loan Move Saves You More?
Consolidation Strategies

Federal Consolidation vs. Refinancing: Which Student Loan Move Saves You More?

You have a pile of student loans with different servicers, due dates, and interest rates. You have two main ways to clean it up: federal...

1 month ago Read More
Why College Costs Outpaced Wages and What That Means for Your Student Debt
Causes of Rising Debt

Why College Costs Outpaced Wages and What That Means for Your Student Debt

The sticker price of college didn’t creep up. It sprinted. Since the 1980s, tuition and fees at American colleges have risen far faster than...

1 month ago Read More
How to Appeal a Financial Aid Offer and Get More Money for College
Financial Aid Appeals

How to Appeal a Financial Aid Offer and Get More Money for College

If your financial aid award letter looks like a bad joke, you have more power than you think. Colleges know the first offer is not always final...

1 month ago Read More
How to Build Credit While Paying Off Student Loans
Credit Building

How to Build Credit While Paying Off Student Loans

Student loans feel like a giant weight, but they are also a credit tool. Every month you pay on time, you tell lenders you can handle debt. Every...

1 month ago Read More
Why Capping Student Loan Interest Is the Policy Fix That Would Help Borrowers Most
Policy Proposals

Why Capping Student Loan Interest Is the Policy Fix That Would Help Borrowers Most

Most policy debates about student debt collapse into one question: should we cancel it or not? That fight is loud, politically messy, and for anyone...

1 month ago Read More
Stay Organized With Student Loans Before They Start Running Your Life
Staying Organized

Stay Organized With Student Loans Before They Start Running Your Life

If you’re in school and borrowing for it, the single most important thing you can do is stop treating your loans like a mystery. You don’t need a...

1 month ago Read More
Should You Buy a Car While Paying Off Student Loans?
Big Purchases and Debt

Should You Buy a Car While Paying Off Student Loans?

A car is not a reward for surviving student loans. It is a tool. If the tool gets you to work, school, daycare, or a side hustle that pays more than...

1 month ago Read More
Buying a House With Student Loans: When It Makes Sense and When It Doesn’t
Big Purchases and Debt

Buying a House With Student Loans: When It Makes Sense and When It Doesn’t

Student loans don’t automatically disqualify you from buying a home. But they do change the math, and ignoring that math is how people end up...

1 month ago Read More
How to Travel on a Budget While Paying Off Student Debt
Travel on a Budget

How to Travel on a Budget While Paying Off Student Debt

Student debt does not have to chain you to your couch. It does mean you can’t pretend a vacation is an emergency. Travel is a line item. If you want...

1 month ago Read More
Your First Job and Student Loans: How to Build a Life Without Drowning
First Job and Your Loans

Your First Job and Student Loans: How to Build a Life Without Drowning

The moment you sign your first full-time offer, it can feel like everything is finally falling into place. Then you remember the student loans. A...

1 month ago Read More
FAQ

Frequently Asked Questions

Simplification proposals generally aim to reduce the number of repayment plan choices, make automatic enrollment or easier switching into income-driven repayment the norm, and streamline forgiveness tracking so borrowers don't have to manually verify their own progress. These are proposals and ongoing policy discussions rather than settled features of the current system, so it's worth checking current rules before assuming any of them apply yet.

Keep a single record — a spreadsheet or note — listing each loan's servicer, balance, interest rate, and due date, and log into the National Student Loan Data System (via studentaid.gov) periodically to confirm it matches your federal loan history. For private loans, check your credit report periodically to make sure nothing is missing or mislabeled.

No. Deferment and forbearance pause or reduce your required payments, but the loan itself remains due, and on unsubsidized and private loans, interest usually keeps accruing the whole time. Using these tools can help in a genuine hardship, but they're a pause button, not an eraser.

Gather your own documentation — pay stubs, employer certification forms, and payment confirmations — and contact your servicer to dispute the discrepancy, escalating to the Federal Student Aid Ombudsman if it isn't resolved. Catching and correcting errors early is much easier than trying to reconstruct years-old records right before you expect forgiveness.

No — it's a persistent myth. Federal programs exist for forgiveness or discharge in specific situations, including qualifying public service work, certain income-driven repayment plans after a set number of years, total and permanent disability, and school closure or fraud. It's true that forgiveness isn't automatic or universal, but “never” overstates the reality.