Guides
Step-by-step walkthroughs for federal repayment, consolidation and recertification.
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IBR vs RAP: They Are Not the Same Plan, Here's the Difference
IBR vs RAP, side by side: how each sets your payment, which loans fit, and 4 questions to ask before you switch: Repayment Assistance Plan vs IBR.
IDR Recertification Deadline: The Real Reason Your Payment Can Change
Your IDR recertification deadline is the real reason your payment can change each year. Find your student loan recertification date and read this before you recertify.
Pay Off Student Loans or Save? Read This Before You Decide
Pay off student loans or save? Read this before you decide: what to weigh, plus 3 myths about whether to pay student loans off or save for retirement.
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Repayment Assistance Plan Explained: RAP Is Not SAVE With a New Name
The Repayment Assistance Plan explained in plain English: how RAP plan student loans payments are set, who can use it, and how it differs from SAVE and IBR.
SAVE Plan Ended? Read This Before You Pick a New Repayment Plan
The SAVE plan ended in March 2026. What to do after SAVE plan ends: your servicer deadline, the default plan, and your options in 4 steps.
Student Loan Payoff Plan: How Smart Moms Are Handling Their Debt
Build a student loan payoff plan that fits family life: list every loan, set up a simple student loan debt tracker, and pick the right plan before paying extra.
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Call (877) 444-0912Save this for your next recertification.
Get the recertification reminder checklist, plus a heads-up when federal rules change.