How to Choose the Right Student Loan Repayment Plan скачать в хорошем качестве

How to Choose the Right Student Loan Repayment Plan

Stanley Tate and attorney Joshua Cohen break down what’s really happening with the SAVE plan, PSLF buyback, IBR vs. RAP, and what it means for your path to forgiveness. They explore tough scenarios, like single borrowers hit with massive payment jumps, families adjusting to higher IBR bills, and people stuck in default trying to choose between consolidation or rehabilitation. They also cover what IDR forgiveness really means, how litigation is reshaping options, and when bankruptcy might actually make sense. If you’re trying to make sense of your student loan repayment strategy in 2025, this conversation is for you. CONNECT WITH STANLEY Website: https://tateesq.com LinkedIn:   / stanleytate   Book a Call: https://link.tateesq.com/book-a-call-... CONNECT WITH JOSHUA Website: https://thestudentloanlawyer.com/ LinkedIn:   / studentloanlawyer   YouTube:    / thestudentloanlawyer   Facebook:   / thestudentloanlawyer   TEAM Founder + Host: Stanley Tate Guest: Atty. Joshua Cohen Editor: Patrick Kevin Angeles Thumbnail Artist: Keanu Rafil RESOURCES How the Big Beautiful Bill Impacts PSLF (and Why Negotiated Rulemaking is the Real Concern) - https://www.tateesq.com/learn/beautif... SAVE, PAYE, ICR Are Dead: What’s Left for Borrowers? -    • SAVE, PAYE, ICR Are Dead: What’s Left for ...   TIMESTAMPS 01:00:37:03 : SAVE Plan: What does it mean when interest restarts? 01:01:28:03 : Does interest restart change your recertification date? 01:02:13:07 : How do you choose your next plan? 01:05:19:06 : What does ‘at 120 months’ really mean? 01:07:04:04 : What happens to SAVE payments after? 01:09:36:20 : Can you lower payments after recertifying? 01:17:29:20 : Lower payments or full debt cancellation? 01:18:26:15 : Is IDR forgiveness the same as SAVE or IBR forgiveness? 01:20:13:05 : Which IDR plans still offer forgiveness today? 01:21:05:23 : Switching Plans: Does your forgiveness clock reset? 01:21:58:14 : Will the 240-month clock remain? 01:24:31:00 : Will switching plans erase credits? 01:27:08:21 : Forbearance Types: How do they affect IDR forgiveness? 01:29:59:12 : Default Options: What paths exist to get out today? 01:30:27:12 : Consolidation vs Rehab 01:32:09:23 : No IDR: Can you still consolidate out of default? 01:38:26:11 : Why choose rehabilitation over consolidation? 01:38:53:13 : RAP Plan: FFEL loans or Direct Loans only? 01:39:51:04 : RAP Plan Eligibility – FFEL vs. Direct Loans