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Student Loan Planner

Student Loan Planner

De : Travis Hornsby
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À propos de ce contenu audio
 Travis helps you navigate the insane world of student loans, especially if you owe $20,000 to $1 million. If you've ever spent too much time on the phone with your loan servicer, this is the show for you. Every week we share tips on loan forgiveness, investing, crushing debt, and how to get to financial freedom when you owe more than most people's mortgage.© Copyright Student Loan Planner®. All Rights Reserved. Economie Finances privées Réussite personnelle
Épisodes
  • Last Student Loan Actions Before A New Congress

    Last Student Loan Actions Before A New Congress
    Nov 3 2026

    Student loans are in limbo, and borrowers working toward PSLF or facing possible wage garnishment have plenty of questions. With midterm elections approaching and key deadlines coming up, the Department of Education is racing to push through changes before new congressional oversight takes effect.

    Find out which last-minute moves to watch for, why PSLF delays and buyback problems could get worse and what borrowers should know about payments, forbearance, and repayment plans right now.

    Key moments:

    (00:00) Department of Ed may slow-walk loan discharges as a bargaining chip

    (03:00) Tax refund seizures and wage garnishment may restart soon

    (03:50) PSLF processing delays and buyback rules are changing

    (05:30) General forbearance gets much stricter starting mid-2027

    (06:57) Interest subsidies under REPAYE: How to check and what to do

    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!
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    9 min
  • FICO Scores, Student Loans, and the $500K Cost of Bad Credit

    FICO Scores, Student Loans, and the $500K Cost of Bad Credit
    Oct 27 2026
    You might have a pristine credit score, but still be drowning in debt. Or maybe you’re a new grad with six figures in student loans and no idea how those monthly payments are going to affect your shot at a mortgage, business loan or even a better credit card. Medical, dental, and veterinary professionals: this one is directly for you. We explore how student loans impact your FICO score and credit report, plus key actions you can take today to protect your credit and avoid thousands in unnecessary interest.Key moments:(02:21) Doctors with poor credit can pay $500k more in lifetime interest(12:45) Why that free Credit Karma score is not your real FICO(23:44) How utilization rate affects 165 points of your credit(28:29) Student loan late payments and the 90-day federal grace period(40:04) Hard inquiries, 45-day window, and rate shopping the smart wayResources mentioned: annualcreditreport.com (free yearly credit reports)myFICO.com (official FICO score pulls)Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo 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 podcastStarting 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 PubliclyGetting 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.
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    49 min
  • Weird Student Loan Notices, IBR Payment Caps, and PSLF Buyback Delays

    Weird Student Loan Notices, IBR Payment Caps, and PSLF Buyback Delays
    Oct 20 2026
    If you’ve recertified your student loans lately, odds are your inbox is flooded with confusing, maybe even contradictory, servicer messages. For physicians, dentists, veterinarians and anyone trying to get PSLF or keep payments low, these “weird” communications can cost you big — especially if you misread your repayment status or aren’t clear on PSLF buyback timelines. We’ll walk through what these new messages really mean, practical steps for navigating delayed PSLF Buyback approvals, and how your retirement savings choices can lower not just your taxes, but your student loan payments, too. You’ll learn how to read between the lines, advocate for yourself, and avoid mistakes that could cost you months or even years on the path to forgiveness.Key moments:(00:00) What “reduced payment period” notices mean for borrowers on IBR(04:08) How the 10-year standard repayment cap works for high earners on IBR(05:11) Confusing payment start dates from servicers like Mohela, and how to respond(08:35) How workplace retirement plans can lower student loan payments(12:58) PSLF buyback delays and the risks of submitting new employer certification formsResources mentioned: PSLF Buyback FAQMohela Contact UsLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo 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:Free Student Loan newsletterIf 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/newsletterThe SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplanner
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    21 min
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