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For three years, student loan borrowers waited for a massive fix to their payment histories, officially known as the IDR account adjustment. The Department of Education promised to give retroactive credit for past deferments, forbearances, and lost payments that servicers failed to track. As of January 2026, the adjustment is officially complete. Every eligible Direct…
For the last five years, millions of borrowers avoided the student loan tax bomb thanks to a temporary waiver from Congress. Between 2021 and 2025, if your federal student loans were forgiven, the IRS treated it as tax-free money. That safety net officially expired on December 31, 2025. Now, in 2026, we have returned to…
Are you worried about the new student loan tax 2026 rules? For the last five years, millions of borrowers breathed a sigh of relief because the American Rescue Plan made all student loan forgiveness 100% tax-free. That safety net is gone. As of January 1, 2026, the federal tax exemption has expired. This means if…
In the tragic event of a borrower’s death, federal student loans are not passed on to the family—they are cancelled. This process is officially known as student loan death discharge. However, the rules for Parent PLUS loans and spousal responsibility can be confusing. This guide clarifies who is responsible for the debt and warns of…
Serving in the US military grants you access to some of the most powerful military student loan forgiveness benefits in the country. From having your interest rate capped at 0% while deployed to getting up to $65,000 of your debt paid off, these benefits go far beyond standard options. This guide covers the 2026 rules…
Do you have an older “Federal Perkins Loan” on your student aid dashboard? If so, you might be sitting on a goldmine. Unlike other forgiveness programs that make you wait 10 or 20 years, Perkins Loan Cancellation works incrementally. You can have a portion of your loan wiped out every single year, eventually reaching 100%…
If a physical or mental disability prevents you from working, you should not be burdened by student loan debt. The Total and Permanent Disability (TPD) Discharge program completely cancels your federal student loans. While the application process has become much easier in 2026 thanks to automatic data matching, a significant “tax bomb” risk has returned…
If you cannot afford your standard student loan payment, you are not alone. Income-Driven Repayment (IDR) plans are designed to cap your monthly bill at a percentage of your income—sometimes as low as $0. However, 2026 has brought significant changes, including legal challenges to the popular SAVE Plan and new eligibility rules for the IBR…
Did your college shut down while you were still taking classes? You should not have to pay for a degree you could not finish. The Closed School Discharge program is a federal safety net designed to wipe out 100% of the student loans you took out for a school that closed its doors. This guide…
Nursing school is expensive, but the US government is desperate for more nurses. If you are willing to work in a high-need area, the nurse corps loan repayment benefit could pay off the majority of your debt in just two years. This guide explains the 2026 application rules, the “Critical Shortage Facility” requirement, and how…