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Plain-English answers to specific federal student loan questions.
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Defaulted Federal Student Loans in 2026: Collections, Rehabilitation and Your Ways Out
What federal student loan default means in 2026: how loans end up there, where wage garnishment and tax refund offsets stand, and how rehabilitation and consolidation compare.
Public Service Loan Forgiveness (PSLF) in 2026: The Rules, What Changed, and Where Payments Get Lost
How PSLF works in 2026: the four requirements, what the end of SAVE and the vacated employer rule mean for your count, and the most common ways public service workers lose qualifying months.
Student Loan Payment Went Up? Why It Happened in 2026 and What You Can Still Change
Federal student loan payment jumped after SAVE ended? Here's why payments are rising in 2026, how big the change can be, which plans you can move to, and what to do if you can't pay the new bill.
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"Final Notice – You Will Be Placed Into a New Repayment Plan in 30 Days": What It Means and What to Do
Got the final 30-day notice from Aidvantage, MOHELA, Nelnet, Edfinancial or CRI? Here's what happens on day 30, which plan you'd land in, and how the payment could change.
Placed in the Standard Plan After SAVE? Why Your Payment Jumped and What You Can Still Change
If your servicer moved you from SAVE to the Standard or Tiered Standard plan, your payment may have doubled. Here's why, what it means for PSLF, and how switching works now.
PSLF Employer Rule Struck Down: What the Court Ruling and Dropped Appeals Mean for Your Payments
A federal judge vacated the PSLF 'substantial illegal purpose' employer rule on June 30, 2026, and the government dropped two of three appeals on October 21. Here's what it means if you work in public service.
Can You Rehabilitate a Student Loan Twice? The Second Rehabilitation Rule Starts July 1, 2027
The 2025 budget law gives defaulted federal student loans a second rehabilitation, but not until July 1, 2027. Here's who it helps, how payments are figured, and what to do now.
When Will Student Loan Wage Garnishment Resume? Where the Collections Pause Stands in Late 2026
Wage garnishment and tax refund offsets on defaulted federal student loans are still on hold. Here's what's confirmed, what's only reported for 2027, and how to prepare.
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