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The new 30-year Repayment Assistance Plan (RAP) could be the only option for federal student loans after July 2026 — but even current borrowers aren’t safe if they don’t take action. Discover what moves to make to avoid getting stuck with decades of payments. Also, learn about new rules affecting Parent and Grad PLUS loans. If facing 30 years of student loan payments sounds brutal, this episode is for you. Key moments: 00:00 Introduction 02:54 The new $200k loan cap means high earners will likely pay off loans before getting forgiveness 05:44 Education has become a defining fault line between the two political parties 14:55 Grad schools might start using undergrad-style aid talks for tuition and discounts. 18:08 A wave of confusion is on the horizon for borrowers, peaking in April 2026 📩 Get the brand new 2025 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... #StudentLoans #RAPplan #StudentLoanForgiveness #StudentLoanPlanner