News & Updates
Student Loan Forgiveness Is Taxable Again in 2026: What Borrowers Need to Know Before the 'Tax Bomb' Hits
IDR student loan forgiveness is taxable again in 2026. Learn how PSLF stays tax-free, how to estimate your bill, and what to do now to plan ahead.
Navient Restitution Checks Are Finally Arriving — Years After Borrowers Were Promised $260 Each
Navient settlement checks promised in 2022 finally arriving in 2026. Learn why the 4-year delay happened and how to claim your payment.
Two New Federal Student Loan Repayment Plans Launch July 1 — Here's How to Choose
July 1 brings new federal student loan plans RAP & Tiered Standard. Compare options, meet deadlines & choose the right repayment strategy.
Clearing Up Major Misconceptions About the End of SAVE and Your New Repayment Options
Five widely-reported misconceptions about SAVE ending and the new RAP plan, corrected against the regulatory record and what we are seeing on servicer calls. With the operational pathways HC clients should actually consider.
Parent PLUS Loans and IBR: The New Pathway
How Parent PLUS borrowers can access Income-Based Repayment after consolidation through the ICR grandfathering provision. Includes the two-gate eligibility system, step-by-step pathway, and key deadlines.
US DOE Announces IDR Adjustment To Forgive 804,000 Borrowers Due To Time In Repayment
What is the IDR Account Adjustment? A Multi-Step Approach to Fix Student Loan Repayment Tracking IDR Account Adjustment: On July 14th, 2023, the U.S. Department of Education announced the latest implementation of the multi-step approachto address longstanding failures associated with student loan pa
Update: Federal Court Blocks Further Forgiveness And Payment Reductions
UPDATE: Federal court blocks further forgiveness and payment reductions under the new SAVE program. 10th Circuit Court of Appeals Partially Reverses Injunction. UPDATE: This article has been updated June 30th to reflect the U.S. 10th Circuit Court of Appeal’s action to stay the injunction placed on
Betsy Devos Loses Lawsuit Regarding Student Loans
IntroductionSecuring student loan forgiveness can be a difficult process. Recently, a significant legal victory was achieved by 19 states and the District of Columbia. They sued Betsy DeVos’ Department of Education over its failure to implement a rule that would protect borrowers harmed by for-profi
The New SAVE Repayment Program: Lower Payments & Student Loan Forgiveness
The New SAVE Repayment Program: What Borrowers Need to Know On August 1, 2023, the U.S. Department of Education launched the SAVE repayment program, replacing the REPAYE program. This new plan is designed to provide more generous benefits for student loan borrowers. Below are the key aspects of this
Student Loan Forgiveness 2024: New Programs and Expanded Benefits
Student Loan Forgiveness 2024. In the past few months leading up to the return to repayment, student loan borrowers have seen significant new benefits aimed at reducing repayment costs and increasing student loan forgiveness. Now, the U.S. Department of Education is pushing for even more targeted fo
DEADLINE: WHAT BENEFITS ARE EXPIRING ON 12/31/2023?
## Student Loan Forgiveness: Urgent Deadline for FFEL and Parent Plus Loan Borrowers April 30, 2024: Key Deadline for Student Loan Consolidation April 30, 2024, is the new deadline to consolidate FFEL or Parent Plus loans into a Direct Consolidation Loan to remain eligible for the IDR One-Time Accou
Over $23 Million in Forgiveness Since November of 2021!
Historic Achievement for Hope Credit Clients: Over $23 Million in Forgiveness As we approach the crucial July 1, 2024, date for the official implementation of the Department of Education’s IDR Account Adjustment, Hope Credit is pleased to announce the forgiveness of more than $23 million in student
Federal Register Updates - Student Loan Regulatory Changes
Track the latest Federal Register updates affecting student loan borrowers, including regulatory changes, comment periods, and implementation timelines.
Important Dates - Student Loan Deadlines & Milestones
Key dates and deadlines for student loan borrowers including repayment milestones, program deadlines, and regulatory timelines.
Student Loan Servicer Performance Analysis
Comprehensive analysis of student loan servicer performance data, error rates, and accountability metrics from 2015-2024.
Student Loan Delinquency Rates - Statistical Analysis
In-depth statistical analysis of student loan delinquency rates, trends, and their impact on borrowers across different demographics.
SAVE Plan Legal Impact Analysis
Analysis of ongoing legal challenges to the SAVE plan, court rulings, and the impact on student loan borrowers and repayment options.
Foreign Student Loans - International Student Loan Statistics
Statistical overview of international student loan debt, trends in foreign student borrowing, and the impact on the broader student loan landscape.
How To Access and Download Your Federal Student Loan Data File
Step-by-step instructions to download your federal student loan data file (MSD) from StudentAid.gov on Mac, PC, iPhone, and Android devices.
PSLF Waiver - Limited Time Student Loan Debt Waiver
According to the U.S. Department of Education, the PSLF Waiver program could benefit more than half a million student loan borrowers once they consolidate into the Direct Loan Program.