Endings, Beginnings, and the Next Chapter for SLP Wealth
Release Date: 05/09/2025
Tax-Free Forgiveness Strategies
Student Loan Planner
A lot of borrowers are wondering how to get their loans forgiven without getting crushed by taxes later, especially with that 2026 tax-free forgiveness deadline creeping closer. In this episode, I walk through the lesser-known ways forgiveness can be tax-free, how timing affects whether you owe anything, and what thoughtful planning looks like if you’re headed toward taxable IDR forgiveness. You’ll also hear several listener questions that tie directly into PSLF quirks, marriage and income decisions, and whether refinancing really makes sense for high earners. Key moments: (01:35) Employer...
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Future of PAYE, SAVE and RAP with Stanley Tate
Student Loan Planner
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:...
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Reflections on 9 Years of Helping Borrowers
Student Loan Planner
We’ve hit 400 episodes. That’s hundreds of hours helping borrowers make sense of one of the most complicated (and emotional) parts of personal finance. In this milestone episode, I sit down with Lauryn Williams, CFP®, CSLP®, AFC®, one of our longest-serving planners and a key part of SLP since 2018. Together, we look back on how it all started — a spreadsheet that accidentally went viral — and how far we’ve come since then. We talk about the biggest surprises in today’s student loan system, the stories that still move us years later, and where SLP is heading next. Key moments:...
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PSLF Employer Bans + New Regulations Coming Out
Student Loan Planner
Public Service Loan Forgiveness could look very different if the new proposed rules move forward. The Trump administration is exploring ways to strip PSLF eligibility from employees of organizations the administration doesn’t like. That could mean hospitals, nonprofits, or legal aid groups suddenly losing access to forgiveness — with no way for employees to appeal. We also get into ongoing rulemaking around professional degree borrowing limits and repayment plan updates, plus smart moves for refinancing or managing your mortgage. Key moments: (01:15) The four main categories that could...
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Who Has To Worry After the AFT Lawsuit Settlement?
Student Loan Planner
The AFT lawsuit settlement with the Department of Education is one of the biggest updates in months for borrowers on income-driven repayment. You’ll learn how this settlement unfreezes stalled forgiveness applications, who’s protected under the new rules, and the key deadlines you can’t afford to miss. I also explain why the 2026 “tax bomb” is back and what you can do now to prepare for it. Key moments: (00:57) What the AFT lawsuit forced the Department of Ed to fix (02:43) How PAYE and IBR borrowers can finally get forgiveness processed (05:57) The 2026 tax bomb: what’s coming and...
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Will PSLF Buyback Actually Last?
Student Loan Planner
Worried PSLF Buyback might vanish before you qualify? Let’s dig into the Public Service Loan Forgiveness (PSLF) Buyback program — how it works, why it exists, whether it’s likely to stick around, and how to position yourself if the rules change. You’ll also hear my take on listener questions covering repayment plans SAVE vs. IBR, joint vs. separate taxes, and why sometimes “die with the debt” really can be a strategy. Key moments: (00:44) How PSLF Buyback works, when you can apply, and why politics could shape its future (06:06) The growing backlog of applications and the...
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The 5 Tiers by Profession for Debt to Income Ratio
Student Loan Planner
When someone asks whether a certain degree is “worth it,” there’s finally some data to answer that. We analyzed debt-to-income ratios across dozens of professions from our survey of over 8,000 high-income professionals, and the results tell a pretty clear story about who’s managing student debt well — and who’s getting squeezed. I’ll also share a few thoughts on what these numbers mean in real life, like how income, housing costs, and lifestyle choices play into long-term financial outcomes. Key moments: (01:56) Professions with the lowest debt-to-income ratios and why...
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Top 10 Fears People Have About the Future of Their Profession
Student Loan Planner
Feeling anxious about where your career's headed? You're definitely not alone. We surveyed over 8,000 high-income professionals and asked what's keeping them up at night about their profession in 2025. The answers were eye-opening — but also pretty relatable. We’re covering the top 10 fears that come up again and again. If you're a doctor, dentist, lawyer, or another high-earning professional, chances are you'll see yourself in at least a few of these concerns. Key moments: (01:26) Rising education costs and massive debt loads are crushing high-income professionals (09:15) Rural practice...
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What’s the Best Profession for Big Incomes vs. Student Loan Balances? (Survey Results)
Student Loan Planner
Ever wondered how your income and student debt stack up against others in your field? We’re dropping the results from our biggest survey yet – over 8,000 high-income professionals spilled the tea on their finances, and some of these numbers are pretty eye-opening. Find out which careers are getting crushed by student loans and which ones are actually coming out ahead. Plus, we discuss the coming changes in student loan borrowing limits and what they mean for your career, your wallet, and even the future of professional education. Want to know where you stack up? Tune in. Key moments:...
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Behind the Scenes: Live from FinCon 2025
Student Loan Planner
Join us for a special live recording from FinCon as we pull back the curtain on what’s happening with student loans right now. We're talking about the current state of federal programs, what's working, what's not, and where things might be headed — especially for those of you dealing with big debt loads from professional and graduate programs. If you're a doctor, lawyer, or other high-earning professional trying to make sense of all the policy changes and figure out your best repayment strategy, this behind-the-scenes conversation will give you some clarity on what to expect and how to...
info_outlineGuess what? We are moving this Friday episode over to the new Financially Free Era podcast!
It is the next step to your financial planning journey after your student loan plan has been tackled with us here at Student Loan Planner.
We hope this new show will answer your questions of:
What else do I need to do?
What else can I do to optimize my savings?
How can I start saving for that goal that I have?"
SLP Wealth was born to be that next step. So naturally, we need to start separating from our initial starting point, which is Student Loan Planner.
So we have created a whole new show: Financially Free Era by SLP Wealth.
Follow and Subscribe for free to the new show!
- Follow on Apple Podcasts, Spotify, Amazon Music, iHeart Radio, or Pocket Casts