"What Now?" Listener Student Loan Questions Answered
The new federal student loan regulations are about to throw a wrench into grad and professional borrowers’ repayment options, and we’re tackling some of the most pressing questions borrowers are calling in with. We break down why one loan disbursed after July 2026 can flip somebody from a clear forgiveness path to being stuck in a repayment plan that costs you double (or more). You’ll also learn strategies for handling PSLF account issues, navigating income certification if your income drops, and the mental health toll all these changes might take. Key moments: 00:00 Introduction 01:23 Why a single loan disbursed after July can potentially double your total repayment 08:54 Using pay stubs vs. tax returns to certify IDR plan income 15:26 Mental health, financial hopelessness, and why no student loan situation is truly unrecoverable 24:21 Calculating physician debt-to-income ratio for PSLF as a resident vs. attending 28:53 Why federal loan caps will trigger chaos in grad school funding and may force program closures or major tuition shifts 📩 Get the brand new 2026 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... #PSLF #StudentLoans #StudentLoanForgiveness #StudentLoanPlanner
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