You've heard of HENRYs, high earners who are not rich yet. But what if you're a high earner with six figures in student loan debt on top of it? That's a SHENRY, and the path to wealth looks different when a 401(k), a 457, an HSA, and a $300,000 loan balance are all competing for the same paycheck.

We walk through the five moves SHENRYs can make to accelerate wealth growth, from maximizing tax-advantaged accounts to using income-driven repayment as a cash flow tool to getting more out of the degree you already paid for.

Key moments:

(07:24) Wealth move 1: Max out tax-advantaged accounts

(08:03) Wealth move 2: Weaponize income-driven repayment

(09:09) Wealth move 3: Open a brokerage account early

(11:12) Wealth move 4: Use professional loan programs to optimize housing moves

(14:25) Wealth move 5: Two ways to maximize the value of your degree

Like the show? There are several ways you can help!

• Follow on Apple Podcasts, Spotify or Amazon Music
• Leave an honest review on Apple Podcasts
• Subscribe to the newsletter
• Join SLP Insiders for student loan loopholes, SLP app and member community

Feeling helpless when it comes to your student loans?

• Try our free student loan calculator
• Check out our refinancing bonuses we negotiated
• Book your custom student loan plan
• Get profession-specific financial planning

Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Mentioned in this episode:

The SLP YouTube Channel

If you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplanner

Tips I Can't Share Publicly

Getting our free newsletter? Upgrade your experience and discover student loan loopholes so good, they might get repealed if I talk about them publicly. Find out my very best thought leadership that I really just can't be open about anymore, unfortunately. If you want to get our very best tips, not just the ones that I can share for free. Go to studentloanplanner.com/insider to get a special discount for your year membership.

A brand new income-driven repayment (IDR) plan is coming, and the rules are stricter than anything borrowers have dealt with before. We break down what we know about the Repayment Assistance Plan (RAP): who qualifies, how payments are calculated, and the deadlines you may need to beat before older plans like Pay As You Earn (PAYE) close their doors.

If you have federal loans and want to make the right move during this transition window, this is where to start.

Key moments:

(03:57) Checking your loan types and RAP eligibility

(06:38) How RAP payments are calculated

(10:44) Unpaid interest subsidy and other RAP features

(18:26) RAP’s 30-year forgiveness and how it impacts PSLF

Resource mentioned:

• Repayment Assistance Plan (RAP) Calculator

Like the show? There are several ways you can help!

• Follow on Apple Podcasts, Spotify or Amazon Music
• Leave an honest review on Apple Podcasts
• Subscribe to the newsletter
• Join SLP Insiders for student loan loopholes, SLP app and member community

Feeling helpless when it comes to your student loans?

• Try our free student loan calculator
• Check out our refinancing bonuses we negotiated
• Book your custom student loan plan
• Get profession-specific financial planning

Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Mentioned in this episode:

The SLP YouTube Channel

If you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplanner

Free Student Loan newsletter

If you are not already getting our weekly newsletter every Thursday, you are missing out. We break down studio loan news, updates, money tips, all in one helpful newsletter. Sign up for free at https://studentloanplanner.com/newsletter

Since the One Big Beautiful Bill, the final student loan regulations have started landing, and we're seeing the real-world fallout in consultations every single day. We bring you what that looks like from the front lines: the latest ATF update on IDR backlogs, PSLF buyback wait times, and forgiveness eligibility checks, plus a few other things worth watching.

We also cover the consolidation trap new grads need to avoid, Parent PLUS loans showing up on files where they don't belong, and what the July 1 deadline really means if you're still stuck on SAVE.

Key moments:

(01:52) Why the ATF lawsuit updates matter for IDR and PSLF backlogs

(04:06) How forgiveness timing could trigger bigger tax bills in 2027

(08:36) 88,000 pending PSLF buyback applicants, duplicate applications, and delays

(12:14) Parent PLUS loan confusion: When your file shows loans you never took out

(20:10) Why new grads should think hard before consolidating, and how it can lock you into a 30-year plan

Like the show? There are several ways you can help!

• Follow on Apple Podcasts, Spotify or Amazon Music
• Leave an honest review on Apple Podcasts
• Subscribe to the newsletter
• Join SLP Insiders for student loan loopholes, SLP app and member community

Feeling helpless when it comes to your student loans?

• Try our free student loan calculator
• Check out our refinancing bonuses we negotiated
• Book your custom student loan plan
• Get profession-specific financial planning

Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Mentioned in this episode:

Want more? Check out our other podcast

Starting to think beyond your student loans? Check out our other show, Financially Free Era. It's about what comes next, investing, building wealth, and designing a life you actually want. Find "Financially Free Era by SLP Wealth" in your podcast app.

Tips I Can't Share Publicly

Getting our free newsletter? Upgrade your experience and discover student loan loopholes so good, they might get repealed if I talk about them publicly. Find out my very best thought leadership that I really just can't be open about anymore, unfortunately. If you want to get our very best tips, not just the ones that I can share for free. Go to studentloanplanner.com/insider to get a special discount for your year membership.