Figuring out how to pay for grad school is about to get a lot trickier—and the fate of student loan forgiveness hangs in the balance. We break down what the One Big Beautiful Bill (OBBB) Act means for new grads, why programs like PSLF and SAVE are under the microscope, and how upcoming changes will shift federal loan limits and forgiveness options. We tackle real listener questions on recertifying your income during a dental residency, PSLF processing times, loan capitalization, and married filing strategies.

Key moments:

(02:29) The new rules after July 2026: federal loan limits and the RAP plan for grad/professional students

(03:32) Whether you can avoid in-school deferment to earn IDR credit during residency

(06:14) How recertifying income before forgiveness can impact your spouse's payment under IDR

(07:41) Why PSLF buyback is moving at a glacial pace, but traditional PSLF is still processing

(13:12) Who will still benefit from forgiveness after the OBBB Act

Resource mentioned: studentloanplanner.com/voicemail – submit questions to the show

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