Mega Listener Mailbag Q&A

Student Loan Planner

Over the past few weeks, we’ve been collecting your questions, and wow… you did not hold back. We’re answering as many as we can fit in one episode, covering topics like forgiveness deadlines, confusing recertification rules, and loan servicers who seem to speak in riddles. You’ll hear from people on the brink of PSLF forgiveness, parents in the middle of tricky Parent PLUS double consolidations, and grads wondering if they should act now or wait. If you’ve been wondering what to do next with your loans, there’s a good chance we’ll hit on something that helps you figure it out.

Key moments:

(09:25) Will the Big Beautiful Bill impact incoming students in August 2025, or only those who begin in the academic year 2026?

(16:18) Why is my interest growing when MOHELA said it would be 0%?

(28:01) Borrowing after July 2026 locks you into the RAP plan, but you could still qualify for PSLF

(37:44) What happens when your employer refuses to certify qualifying PSLF work

(46:36) The one scenario where paying extra on student loans makes sense

(51:08) How to push your case forward after long delays from your servicer

Resources mentioned:

• File an FSA complaint
• Escalate issues to the FSA Ombudsman Group
• Reach out to your local representative or senator

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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 [email protected] and we might feature it in an upcoming show!