Listener Q&A: What Could This New Bill Mean?

Student Loan Planner

Apply for income-driven repayment (IDR) plans

32:48

America’s Sweethearts: Dallas Cowboys Cheerleaders is back for its second season! Kay Adams welcomes the women who assemble the squad, Kelli Finglass and Judy Trammell, to the Netflix Sports Club Podcast. They discuss the emotional rollercoaster of putting together the Dallas Cowboys Cheerleaders. Judy and Kelli open up about what it means to embrace flaws in the pursuit of perfection, how they identify that winning combo of stamina and wow factor, and what it’s like to see Thunderstruck go viral. Plus, the duo shares their hopes for the future of DCC beyond the field. Netflix Sports Club Podcast Correspondent Dani Klupenger also stops by to discuss the NBA Finals, basketball’s biggest moments with Michael Jordan and LeBron, and Kevin Durant’s international dominance. Dani and Kay detail the rise of Coco Gauff’s greatness and the most exciting storylines heading into Wimbledon. We want to hear from you! Leave us a voice message at www.speakpipe.com/NetflixSportsClub Find more from the Netflix Sports Club Podcast @NetflixSports on YouTube, TikTok, Instagram, Facebook, and X. You can catch Kay Adams @heykayadams and Dani Klupenger @daniklup on IG and X. Be sure to follow Kelli Finglass and Judy Trammel @kellifinglass and @dcc_judy on IG. Hosted by Kay Adams, the Netflix Sports Club Podcast is an all-access deep dive into the Netflix Sports universe! Each episode, Adams will speak with athletes, coaches, and a rotating cycle of familiar sports correspondents to talk about a recently released Netflix Sports series. The podcast will feature hot takes, deep analysis, games, and intimate conversations. Be sure to watch, listen, and subscribe to the Netflix Sports Club Podcast on YouTube, Spotify, Tudum, or wherever you get your podcasts. New episodes on Fridays every other week.…

about a year ago 40:24

MP3•Episode home

(02:58) PSLF buyback uses the lower payment: before or after forbearance, whichever is smaller (13:30) Forgiveness is likely best when student debt is double your income or more (19:59) SAVE plan delays create confusion; should you switch IDR plans or wait it out? (31:29) Moving abroad may lower your AGI and help secure smaller payments toward forgiveness (35:45) FMLA and income recertification: what to know before submitting updated income documentation

Links mentioned:

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Leave an honest review on Apple Podcasts
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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!

397 episodes

#Personal Finances #Lifestyle #Trading #Financialindependence #Investing #Studentdebt #Studentloandebt #Studentloans #Travis Hornsby #Careers #Business

Listener Q&A: What Could This New Bill Mean?

Student Loan Planner

48 subscribers

published about a year ago

MP3•Episode home

Key moments:

Links mentioned:

Apply for income-driven repayment (IDR) plans

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

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!

397 episodes

#Personal Finances #Lifestyle #Trading #Financialindependence #Investing #Studentdebt #Studentloandebt #Studentloans #Travis Hornsby #Careers #Business

All episodes

Student Loan Planner

1
What the One Big Beautiful Bill Act Means for You 25:52

6 days ago25:52

25:52

Some parts of the One Big Beautiful Bill Act are pretty rough for borrowers, but believe it or not, it could’ve been way worse — you can thank the Senate parliamentarian for blocking the worst of it. We’ll walk you through what’s changing, what’s staying the same, and what you need to start planning for now. This is your clear, practical guide to understanding how the bill will affect your wallet and the conversations you’ll need to have with your partner, financial planner, or school’s aid office. Key moments: (03:40) The math of student loans becomes very complicated for borrowers starting fall 2026 (11:39) Grad school closures and layoffs could mean higher salaries for remaining professionals (14:22) Families face tough choices as expensive colleges become harder to finance (18:56) How you file taxes continues to shape your student loan payment strategy under new rules 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 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!…

Student Loan Planner

1
Senate Parliamentarian Drops a Bombshell Ruling 21:12

13 days ago21:12

21:12

“Senate parliamentarian” isn’t exactly a household name, but her latest ruling is huge news for anyone with student debt. Learn what her surprise decision means for the Big Beautiful Bill Act and how it could shape repayment plans and forgiveness programs. You’ll find the specifics of what this means if you’re a Parent PLUS borrower, in dental and medical school, or just worried about how these policy shifts could affect your financial future. We’ll take you beyond the political noise and cut through the confusion to give you actionable info you can use. Key moments: (02:32) The current bill would essentially kick a lot of people who need to borrow after July 2026 onto the RAP plan (05:21) Future students deserve clear repayment rules upfront, not changes mid-degree like the Senate is proposing (08:45) Anybody who's ever had a parent plus loan needs to apply for the ICR plan (11:20) PAYE borrowers must be prepared to get switched to the old IBR or possibly the RAP plan (15:48) Different borrowers should take different approaches while legislation is pending Resource mentioned: IDR Plan Request at Studentaid.gov 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 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!…

Student Loan Planner

1
What Does the Reform Bill Mean for Married Borrowers? 27:56

20 days ago27:56

27:56

If you're married, there’s a lot to consider in the latest student loan reform proposals. Discover what the changes being debated in Congress could mean for married borrowers, including the potential loss of “married filing separately” as a repayment strategy and how the new Repayment Assistance Plan (RAP) might affect your monthly payments. If you’re single or engaged, this still matters — we’ll cover what you need to know before tying the knot, plus smart moves you can make now to avoid future headaches. Key moments: (03:07) New rules could make marriage costly for borrowers with high student debt (10:54) RAP plan offers fewer deductions than IBR, especially for families with multiple children (16:36) Capping federal loan limits could push students toward private lenders with strict requirements (25:02) Borrowers with high debt-to-income ratios may benefit from sticking with forgiveness, despite uncertainty 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 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!…

Student Loan Planner

1
The Senate Student Loan Bill Is Much Worse Than Expected 12:45

27 days ago12:45

12:45

The Senate just dropped its version of the student loan reform bill, and let’s just say… it’s not great. In fact, it’s worse than expected, especially if you have six-figure student debt, Parent PLUS loans, or are a future student. Learn what’s at stake, how it could completely reshape repayment options, and who (besides private lenders) might come out ahead. More importantly, you’ll learn what you can do now to protect yourself if the bill moves forward. If student debt is part of your financial life, don’t miss this one. Key moments: (00:52) SAVE and new IBR borrowers could be forced into old IBR under the Senate bill (02:18) New rules could turn marriage into a major cost for student loan borrowers (02:48) Parent PLUS borrowers face the harshest penalties under this proposed legislation (07:14) Future borrowers need a plan before taking loans after July 2026 under the new rules (09:18) There's still a whole lot that you can do if you're an existing borrower Links mentioned: StudentAid.gov - The official federal site for consolidating student loans 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 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!…

Student Loan Planner

1
Why Lowering AGI Is More Important Than Ever 21:08

5 weeks ago21:08

21:08

If the GOP reform bill moves forward, lowering your adjusted gross income (AGI) won’t just be helpful, it’ll be more important than ever for student loan borrowers. We explore what could change, who’s most at risk, and what steps you can take to protect your paycheck. From maxing out pre-tax retirement contributions and HSAs to leveraging self-employment and smarter tax planning, we’ll walk you through practical ways to lower your AGI — and why it might be the biggest factor in your student loan repayment. Key moments: (04:18) Business owners may gain an edge with deductions if the GOP bill becomes law (07:53) Many haven’t felt the full weight of student loan payments in a while — that may soon change (13:55) If this bill passes, 1099 or self-employed work might offer major financial advantages (16:05) Expect to lose 50–60% of your income to loans and taxes unless you lower your AGI 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 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!…

Student Loan Planner

1
Listener Q&A: What Could This New Bill Mean? 40:24

6 weeks ago40:24

40:24

Get real answers to real questions student loan borrowers are asking about PSLF processing delays, confusing buyback calculations, switching repayment plans, and trying to understand how recent legislation might affect their loans. You’ll get the latest updates on what’s happening behind the scenes and what those changes could mean for you. We also cover practical, actionable steps, like how to time your income recertification, what to consider if you’ve had a long forbearance period, and a lesser-known deferment option for borrowers undergoing cancer treatment. Key moments: (02:58) PSLF buyback uses the lower payment: before or after forbearance, whichever is smaller (13:30) Forgiveness is likely best when student debt is double your income or more (19:59) SAVE plan delays create confusion; should you switch IDR plans or wait it out? (31:29) Moving abroad may lower your AGI and help secure smaller payments toward forgiveness (35:45) FMLA and income recertification: what to know before submitting updated income documentation Links mentioned: Apply for income-driven repayment (IDR) plans 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 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!…

Student Loan Planner

1
Future of Student Loans Now Depends on the Senate 18:35

7 weeks ago18:35

18:35

Student loan reform just cleared the House in what’s officially called the “One, Big, Beautiful Bill.” If it becomes law, it could overhaul repayment into just two plans: the Old IBR plan and a new Repayment Assistance Plan (RAP) that scales payments between 1% and 10% of income over 30 years. But nothing is final. The next step is the Senate, where the path forward is less certain. We explore what the House bill includes, what changes could mean for current and future borrowers, and the broader implications for repayment, forgiveness, and access to education. Learn about key policy details, potential legal challenges, and what you should watch as the conversation continues in the weeks ahead. Key moments: (05:41) If courts strike down SAVE, it could force a rewrite of the student loan section of the bill (07:55) Changing voter turnout patterns could reshape midterm election outcomes in unexpected ways (11:35) Future students may lose PSLF eligibility for residency programs (14:44) Proposed changes could hit universities hard, leading to major job losses across higher education (17:16) Estimate your RAP payment to see what’s affordable and compare your repayment options 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 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!…

Student Loan Planner

1
Who Would Switch to the “RAP” Plan? 17:40

8 weeks ago17:40

17:40

The Repayment Assistance Plan, aka RAP, is another student loan overhaul, and people have a lot of questions. Learn what this plan actually is, why it matters right now, and the real chances of it becoming law. If you're wondering when or if you could switch to this plan, we've got you covered. The RAP might completely change how student loan repayment works. We're unpacking all the details and what you might want to keep in mind if you’ve got loans. Key moments: (03:55) If you’re close to forgiveness, sticking with IBR will probably make more sense (05:16) This administration is rushing student loan changes before finalizing regulatory details (09:59) There’s still a long way to go, and some Senators just want to bring back REPAYE (13:08) Graduate professions would lose diversity if only students from wealthy families could afford them 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 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!…

Student Loan Planner

1
Scenarios for the Republican Student Loan Bill 26:44

9 weeks ago26:44

26:44

The Republican student loan bill is gaining steam and could seriously impact your repayment strategy. Let me break it down for you: undergrads might actually see some benefits here, but if you've got grad school debt? You might want to sit down for this one. Current borrowers won't get hit as hard as future ones, but painful changes could be on the horizon. Get insights into the legislative process, the strategy behind budget reconciliation that's pushing this bill forward, and practical ways to think ahead while the details are still in flux. Key moments: (05:30) PSLF could be eliminated through reconciliation with a simple majority vote (06:45) A look at the proposals currently being considered in the bill (09:13) The bill slightly helps undergrads while potentially devastating graduate borrowers (14:48) Loan limits could restrict first-generation students from accessing medical, dental, and veterinary programs (18:30) This "Big Beautiful Bill" will likely reach the President by September 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 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!…

Student Loan Planner

1
Endings, Beginnings, and the Next Chapter for SLP Wealth 1:43

9 weeks ago1:43

1:43

Guess what? We are moving this Friday episode over to the new Financially Free Era podcast! It is the next step to your financial planning journey after your student loan plan has been tackled with us here at Student Loan Planner. We hope this new show will answer your questions of: What else do I need to do? What else can I do to optimize my savings? How can I start saving for that goal that I have?" SLP Wealth was born to be that next step. So naturally, we need to start separating from our initial starting point, which is Student Loan Planner. So we have created a whole new show: Financially Free Era by SLP Wealth. Follow and Subscribe for free to the new show! Follow on Apple Podcasts , Spotify , Amazon Music , iHeart Radio , or Pocket Casts…

Student Loan Planner

1
Why Your Savings Rate Is Probably Too High 19:49

10 weeks ago19:49

19:49

Can “save more” be bad advice? We’re pulling back the curtain on something financial advisors rarely discuss: how saving too much can harm your quality of life. We'll unpack the uncomfortable truth about how all professions, including my own, handle potential conflicts of interest. This isn't about vilifying financial planning — it's about making sure the help you get is truly in your best interest, and not just serving someone else’s bottom line. Key moments: (01:31) When financial planners pressure clients to invest bonuses rather than enjoy them (04:36) Fee structure matters less than the value received for the financial advice given (08:12) Most people overspend on things they don’t even like (15:50) Bad advice often comes from people who don’t understand your situation 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 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!…

Student Loan Planner

1
Put the Fam On Payroll: Tax Hacks For Business Owners 39:49

10 weeks ago39:49

39:49

Want to keep more money in the family? Hiring family members in your business can translate into some big tax savings — and set your kids up to get ahead with their own savings. Fresh off tax season, we explore the ins and outs of putting kids and spouses on the payroll, weighing the pros and cons, and sharing actionable tips for business owners looking to leverage this strategy. You’ll also learn compliance essentials, common pitfalls, and the legal frameworks you need to keep in mind, whether you're running a dental practice, a family restaurant, or thinking about getting started as an entrepreneur. Key moments: (07:04) Practical tasks your child can do legitimately in your business (12:15) How hiring family can help you qualify for valuable QBI tax deductions (14:40) Choosing the right business structure impacts family employment tax advantages (22:06) Guidelines for staying compliant with federal child labor laws (34:50) Balancing your child's income to optimize college financial aid eligibility 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 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!…

Student Loan Planner

1
Emergency Pod: New IBR and PAYE Under Threat in New GOP Bill 17:10

11 weeks ago17:10

17:10

House GOP has proposed a new bill that would radically reshape student loans for years to come. But it would also impact existing borrowers too if were to pass.

Student Loan Planner

1
Listener Q’s About SAVE, Buyback, Debt Payoff and More 52:02

11 weeks ago52:02

52:02

Got student loan questions weighing on you? You're definitely not alone. This week, we're opening up the Student Loan Planner mailbag to tackle some of the most pressing issues borrowers are facing. Should you switch IDR plans? Is Public Service Loan Forgiveness (PSLF) buyback the right move? We also address the very real frustrations with federal loan servicers — the long hold times, the inconsistent information, and the impact of staffing shortages. Beyond that, we'll cover practical tax filing strategies that could lead to significant savings, how to identify potential calculation errors in your loan details, and offer an update on the ongoing delays with forgiveness applications. If you’re ready for clarity on your student loans, this episode delivers the answers you need in 2025. Key moments: (04:37) Stressing about interest accrual could be counterproductive on your path to loan forgiveness (07:45) The PSLF buyback steps, and remember your qualifying payments don't need to be consecutive (16:53) Despite common talk of "old" and "new" IBR, there is technically only one Income-Based Repayment plan (26:07) A payoff strategy for a high-income physician facing loans without PSLF (43:33) Military families face unique PSLF considerations, with state residency affecting community property rules Links mentioned: Income-Driven Repayment (IDR) Plan Request PSLF Help Tool Compare refinancing lenders 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 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!…

Student Loan Planner

1
Quarterly Taxes for High Earners: What, Why and How To Plan Ahead 26:54

11 weeks ago26:54