Listen in as I sit down with my good friend and one of the sharpest legal minds in the student loan world, Stanley Tate. We walk through the latest PSLF battles, what the SAVE-forbearance mess really means for your timeline, and how the coming transition to RAP and old-school IBR could reshape repayment for millions of borrowers. We also get into Parent PLUS landmines, future loan caps, and what all of this means for the next generation of borrowers. You'll learn where the pitfalls are, how to protect yourself, and why most borrowers still have more options than they think.

Key moments:

(05:07 ) How worried should you be about the new PSLF rules
(09:20 ) The weighted-average credit confusion after consolidation
(16:32 ) The risk of choosing between federal and private student loans is quite high
(24:28 ) SAVE forbearance, recertification delays, and the Parent PLUS trap
(43:47 ) What we're watching in negotiated rulemaking and RAP vs. IBR

Resource mentioned:

• Stanley Tate's YouTube channel

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