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  • Student Loans After SAVE main episode for 2026-07-16

    Student Loans After SAVE main episode for 2026-07-16
    2026/08/20
    In this episode, we break down the wave of 90-day notices arriving from loan servicers and what they mean for your next repayment plan. With deadlines looming, borrowers must act quickly to avoid payment surprises. We walk through a straightforward process: opening your notice to confirm the exact due date, gathering your latest income details and loan balance, and comparing the three available options—revised PAYE, income-based repayment, and the tiered standard plan. You'll learn why accurate tax returns or pay stubs matter, how to handle income drops with proper proof, and the importance of submitting complete forms through the preferred channel while tracking status afterward.

    Key takeaways:
    - Note your notice's due date immediately and start paperwork at least ten days early
    - Update household size, filing status, and income figures for the most accurate payment calculation
    - Prepare required documents like tax transcripts and submit via the method specified to prevent delays
    - Compare plans against your current balance and choose the lowest viable option if eligible

    📩 Have questions or want to share your experience? Reach out at student@senseofthisshit.com.
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    5 分
  • Understanding Student Loans: 90-Day Notice

    Understanding Student Loans: 90-Day Notice
    2026/07/11
    In this episode of Student Loans After SAVE, we break down the 90-day notice flooding borrower inboxes as the SAVE plan winds down. With limited time before payments resume, the choices narrow to RAP, IBR, and Tiered Standard—each with unique payment formulas, forgiveness timelines, and recertification rules. We map these options into a clear flowchart timed to servicer waves, helping you compare your income, family size, and loan balance against each path before deadlines hit. New Direct Loan borrowers entering after July 2026 will start here too, making early preparation essential. The show itself will expire once all transitions complete, so these episodes deliver actionable steps while they matter most.

    Key takeaways:
    - Read the full notice immediately and mark your 90-day clock
    - Gather pay stubs, tax returns, and household details to run accurate comparisons
    - Contact your servicer early to confirm requirements and avoid processing delays
    - Track every interaction and use portal tools to test RAP versus IBR versus Tiered Standard against your budget

    📩 Have questions or want to share your experience? Reach out at student@senseofthisshit.com.
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    5 分