IBR, PAYE, and SAVE Strategy in Community Property States
Monthly payment calculations on income-driven repayment plans get especially complicated for borrowers living in community property states.
Repayment Plans
Should I Pay Extra on My Income-Driven Repayment (IDR) Plan?
Paying extra on IDR plans like IBR, PAYE and REPAYE is a risky choice for many student loan borrowers, especially those chasing student loan forgiveness.
REPAYE for Married Couples
REPAYE is the best repayment plan for some married couples. For others, it is an expensive option.
How to Decide Between PAYE and REPAYE
Picking the best plan when deciding on PAYE or REPAYE is critical for married borrowers, those with graduate debt, and high-balance borrowers.
IBR and PAYE Calculations for Independent Contractors and 1099 Workers
If you are a 1099 worker or run a business, IDR calculations might seem complicated or potentially unfair, but there are ways to work the numbers in your favor.
Old IBR vs. IBR for New Borrowers: Comparing Income-Based Repayment Plans
IBR and IBR for New Borrowers sound similar, but the two plans have different monthly payments and different rules for student loan forgiveness.
Missing IBR or PAYE Certification is REALLY Expensive
Capitalization of interest on IBR, PAYE, and REPAYE makes failing to re-certify on time a costly error.
Meet the Worst Federal Student Loan Repayment Plan
The worst federal student loan repayment plan has high monthly payments, no forgiveness options, and makes it harder to buy a home.
Opinion: It is Time for the Government to Automate Income-Driven Repayment Certification
Yearly income certification trips up many federal borrowers and this problem could easily be avoided by automating the process.