Guides
Plain-English, numbers-included guides to the decisions the billing resumption forced on borrowers. Every guide carries the same policy-vintage labels as the product.
SAVE is terminated. What are your actual options now?
The plan millions of borrowers were parked in no longer exists. Here's what replaced it, what your new payment might be, and how to sanity-check the servicer's number.
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Wage garnishment is back: the 15% problem and the IDR defense
After default, the government can take up to 15% of your disposable pay without a court order. Here's the timeline, the math, and the two moves that stop it.
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Defaulted? Rehabilitation vs consolidation, decided
One cures your credit history over ten months; the other gets you back into repayment in weeks but leaves the default on file. The tradeoffs, spelled out.
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Parent PLUS: the ICR-only path (and what changed in 2026)
Parent PLUS loans have exactly one income-driven route — consolidate into a Direct loan, enroll in ICR. The 2026 program changes made that path narrower. What parents need to know.
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