If you've been coasting since COVID without recertifying your income-driven repayment plan, that grace period is officially over. We break down what recertification actually looks like right now and talk about recalculation, payment caps, the kinds of forbearances that help (or hurt) your progress toward forgiveness, and a weird glitch flagging people as Parent PLUS borrowers when they're not. You'll learn where to find your recert date, what to do when your loan servicer fumbles your file, and how to avoid common mistakes in a system that seems designed to trip you up, all while staying on track for PSLF or long-term forgiveness.

Key moments:

(04:02) Servicers pulling income 4 months before recertification dates — and sometimes applying new payments early

(06:49) How to choose whether to recalculate, switch plans, or manually recertify in the IDR recertification portal

(14:59) 626,000 pending IDR applications, and what to do if yours has been sitting for months

(21:01) Payment caps and why denial letters aren't always bad

(24:19) The Parent PLUS glitch making recertification impossible for some, and how to fix it

Resources mentioned:

StudentAid.gov for up-to-date recertification information and account access

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