More Proposed Changes for PSLF

The PSLF program was created by Congress in 2007, now, Congress may be poised to expand and simplify the existing PSLF legislation.

New Changes to PSLF: New Opportunities for Scammers

There are big, exciting things coming out for student loan borrowers right now—like the PSLF Limited Waiver Opportunity—things too important to let scammers ruin them.

Is there too much student debt out there?

You know just how many factors go into a person’s health: family history, diet, exercise, environmental factors…the list goes on. There are other influences that may not so readily come to mind, but researchers are continually finding links between different stressors in our lives and their impact on our health. One that you may not have thought about before, but is receiving more and more attention: student loans. 

Student Loans and Your Health

You know just how many factors go into a person’s health: family history, diet, exercise, environmental factors…the list goes on. There are other influences that may not so readily come to mind, but researchers are continually finding links between different stressors in our lives and their impact on our health. One that you may not have thought about before, but is receiving more and more attention: student loans. 

How do you fill out a PSLF form?

If you’re been pursuing PSLF for years and think you’re finally ready to apply for forgiveness, you’ve actually already gone through the steps, you may just not have known it!

You Can Shape the Future of Student Loans

Over the past year or so, we’ve seen a lot of positive movement on student loans. President Biden campaigned on student loan reform, and after years of growing national student debt, it seems like we’re finally seeing progress. While some are still eager to see sweeping student debt cancellation, let’s not ignore some of the major reforms that we’ve already seen

In the News: What in Tarnation is an FFEL Loan?!

Under the recently announced Limited Waiver Opportunity for PSLF, FFEL borrowers have an opportunity to pursue PSLF without restarting the clock. As long as the other conditions for PSLF were met—full-time employment at a public service organization like a 501(c)(3)—previous payments made on FFELs will count towards PSLF as long as they are consolidated before October 31, 2022 and submit the appropriate employment paperwork.. Finally, borrowers under this orphaned loan program will be able to enjoy PSLF without the added hurdle of 10 extra years of repayment.

Student Loan Industry Continues to Fail Communities of Color

Report after report has shown that majority Black- and Latinx-communities to bear the greatest burden of student debt and its effects. In 2015, the CFPB documented the effects of the Great Recession on student debt in communities of color, “with many families seeing their net worth nearly cut in half.”

IDR Plans and Payment Caps: ‘Til PSLF Do You Part

Oftentimes, we and our clients have to correct mistakes made by loan servicers, and having your payment plan messed with can be one of the most detrimental. If your loan servicer tells you that you no longer qualify for your plan, they’re wrong. When you enroll in an IDR plan, it’s “‘til death do you part,” or—to put it in a more positive light—“‘til PSLF do you part.” Have no fear, give us a call, and we’ll help you ride the cap all the way there.

A Brief History of Public Service Loan Forgiveness

For those pursuing PSLF, they’ve had the added benefit that these months of forbearance have counted toward their 120 qualifying payments required for forgiveness. The economy, however, remains fragile, and many are wondering what will happen as student payments resume in the coming months—not to mention the end of expanded unemployment benefits for millions of Americans.

So what’s the solution? Where do we go from here?