Future of PAYE, SAVE and RAP with @stanleytate

Listen in as I sit down with my good friend and one of the sharpest legal minds in the student loan world, ‪@stanleytate‬ . We walk through the latest PSLF battles, what the SAVE-forbearance mess really means for your timeline, and how the coming transition to RAP and old-school IBR could reshape repayment for millions of borrowers. We also get into Parent PLUS landmines, future loan caps, and what all of this means for the next generation of borrowers. You’ll learn where the pitfalls are, how to protect yourself, and why most borrowers still have more options than they think. Key moments: 00:00 Introduction 05:07 How worried should you be about the new PSLF rules 09:20 The weighted-average credit confusion after consolidation 16:32 The risk of choosing between federal and private student loans is quite high 24:28 SAVE forbearance, recertification delays, and the Parent PLUS trap 43:47 What we’re watching in negotiated rulemaking and RAP vs. IBR Follow Stanley on YouTube:    / channel   📩 Get the brand new 2025 IDR calculator that minimizes your student loan payments so you can use the money on better stuff: https://www.studentloanplanner.com/st... 💸 Join the SLP insiders email list: https://join.studentloanplanner.com/i... ➡️ Book a student loan consult: https://www.studentloanplanner.com/yo... #StudentLoans #RAPplan #StudentLoanForgiveness #StudentLoanPlanner