Federal student loan repayment is changing under the 2025 budget reconciliation law, which created the Repayment Assistance Plan and phases out several older plans. Learn how income-driven repayment works, who must switch, and how to pick a plan.
Public Service Loan Forgiveness can cancel remaining federal Direct Loan balances after 120 qualifying payments while working for a government or nonprofit employer. Learn the requirements, how to certify employment, and how to avoid common pitfalls.
Federal and private student loans both pay for college, but they differ sharply on interest rates, credit checks, repayment flexibility, and forgiveness. Learn how to compare them and the order in which most families should borrow.
The FAFSA is the gateway to federal grants, work-study, and student loans, and many states and colleges use it too. This step-by-step guide explains who must contribute, the Student Aid Index, deadlines, and common mistakes to avoid.