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Important Student Loan Changes with Kathleen Boyd
In Episode 84 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, talks with Kathleen Boyd, CFP®, Certified Student Loan Professional (CSLP), and founder of Student Loan Savvy, who breaks down the new legislation that’s overhauling graduate and parent PLUS loans, income-driven repayment plans, and forgiveness programs. They talk through what students, parents, and advisors need to know right now to avoid costly mistakes and plan wisely for the future.
“This bill is quietly one of the biggest student loan rewrites in decades.” — Kathleen Boyd
This week on Real Life Planning Podcast:
💡What impact do student loans have on long-term financial goals? [00:01:30]
💡What is the One Big Beautiful Bill Act and what changes should borrowers expect? [00:3:02]
💡How might graduate and parent PLUS loans change under the new legislation? [00:07:42]
💡What should students and families do now to prepare for future changes? [00:13:18]
💡What are the new forgiveness and income-driven repayment rules you should know? [00:18:22]
💡What is the RAP Plan—and how does it differ from current options? [00:31:35]
💡What myths about loan forgiveness are hurting borrowers? [00:42:19]
💡What roles are no longer considered “professional” under new loan rules, and why does that matter? [00:48:30]
Takeaway Quotes:
"We can't just figure it out later. We need to be doing planning now.” — Kathleen Boyd
" They may have an expensive private school in mind that's out of state. But you shouldn't jeopardize your own retirement by borrowing more than you can really afford." — Cynthia Meyer
Connect with Kathleen Boyd:
- Website: Student Loan Savvy
- Email: [email protected]
Connect with Real Life Planning:
- Bigger Pockets
- X
- Email: [email protected]
The ReaL Life Planning Podcast is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering.
Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM.
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By Cynthia MeyerIn Episode 84 of the Real Life Planning Podcast, Cynthia Meyer, CFA®, CFP®, ChFC®, talks with Kathleen Boyd, CFP®, Certified Student Loan Professional (CSLP), and founder of Student Loan Savvy, who breaks down the new legislation that’s overhauling graduate and parent PLUS loans, income-driven repayment plans, and forgiveness programs. They talk through what students, parents, and advisors need to know right now to avoid costly mistakes and plan wisely for the future.
“This bill is quietly one of the biggest student loan rewrites in decades.” — Kathleen Boyd
This week on Real Life Planning Podcast:
💡What impact do student loans have on long-term financial goals? [00:01:30]
💡What is the One Big Beautiful Bill Act and what changes should borrowers expect? [00:3:02]
💡How might graduate and parent PLUS loans change under the new legislation? [00:07:42]
💡What should students and families do now to prepare for future changes? [00:13:18]
💡What are the new forgiveness and income-driven repayment rules you should know? [00:18:22]
💡What is the RAP Plan—and how does it differ from current options? [00:31:35]
💡What myths about loan forgiveness are hurting borrowers? [00:42:19]
💡What roles are no longer considered “professional” under new loan rules, and why does that matter? [00:48:30]
Takeaway Quotes:
"We can't just figure it out later. We need to be doing planning now.” — Kathleen Boyd
" They may have an expensive private school in mind that's out of state. But you shouldn't jeopardize your own retirement by borrowing more than you can really afford." — Cynthia Meyer
Connect with Kathleen Boyd:
- Website: Student Loan Savvy
- Email: [email protected]
Connect with Real Life Planning:
- Bigger Pockets
- X
- Email: [email protected]
The ReaL Life Planning Podcast is for educational purposes only. None of the information discussed is intended as investment, tax, accounting, or legal advice, nor as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, real property, or other securities or non-securities offering.
Real Life Planning, LLC is an Investment Advisor registered with the States of New Jersey, New York, Texas, Virginia, and California. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or completeness of, any description of securities, markets or developments mentioned. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, REALLIFEPLANNING.COM.