Whether you’ve already refinanced your student loans to save money on interest or you’re thinking about it, you might wonder — “How often can you refinance student loans?” The answer is as many times
Welcome to Student Debt Modification
One of the most effective ways to lower your student loan interest rate and your monthly payment for federal or private student loans is by refinancing. If your credit isn’t good enough to
Now that the One Big Beautiful Bill (OBBB) has been signed into law, it’s important for all student loan borrowers to understand the new income-driven repayment plan that this law created: the Repayment Assistance
When borrowing student loans, you’ll end up working with a student loan servicer. This servicer helps student loan borrowers manage student loan repayment. If you have student loans under the Federal Family Education
A student loan moves into default status when you fail to make payments for an extended period. Default timelines vary depending on the type of loan you have. However, federal loans generally go into
Choosing a student loan repayment plan can affect your monthly budget, how long you’ll be paying, and how much interest you may pay overtime. If you’re comparing repayment options, it helps to understand
Student loan borrower advocacy groups and government watchdogs are sounding the alarm that diminishing oversight of loan servicers is starting to cause real problems for borrowers. And things may only get worse in
The Repayment Assistance Plan (RAP) is the new income-driven repayment (IDR) plan for student loans from the Trump administration. It’s now the only IDR plan that qualifies for interest subsidies. Could you reduce
We are just a few weeks away from some of the most significant changes to federal student loan programs in a generation. On July 1, 2026, major new laws and regulations take effect
Student loan changes are pushing more borrowers away from forgiveness and toward refinancing. That shift matters for more than your monthly payment: when you refinance student loans, you trade federal loan protections for
