You’re coming off years of low or no student loan payments, only to face 10-20x jumps seemingly overnight. We get into why payments are up so sharply, what to do (and not do) if your budget’s getting squeezed, and how to use tax and filing strategies to lower your monthly student loan bill. We also share how to navigate marriage, family size, and community property rules when recertifying, so you can keep more options (and cash) in your hands.Key moments:(00:00) Payment shock: increases up to 20x after years of forbearance and SAVE(07:12) How retirement contributions and pre-tax accounts lower student loan payments(09:27) Married filing separately, and when it drops your payment(16:09) PAYE goes away July 2028, and who should switch before the deadline(20:19) Forgiveness is now taxable, and what to plan for if it’s in your futureLike the show? There are several ways you can help!<ul><li>Follow on <a href="https://itunes.apple.com/us/podcast/student-loan-planner/id1446453497?mt=2&ls=1" rel="noopener noreferrer" target="_blank">Apple Podcasts</a>, <a href="https://open.spotify.com/show/6w2qdUPNMEFYr0JzGXNgT1" rel="noopener noreferrer" target="_blank">Spotify</a> or <a href="https://music.amazon.com/podcasts/d675bc81-d6f6-4d5a-b354-864b5008fed7/student-loan-planner" rel="noopener noreferrer" target="_blank">Amazon Music</a></li><li>Leave an honest review on <a href="https://itunes.apple.com/us/podcast/student-loan-planner/id1446453497?mt=2&ls=1" rel="noopener noreferrer" target="_blank">Apple Podcasts</a></li><li>Subscribe to the <a href="https://www.studentloanplanner.com/podcast-landing/" rel="noopener noreferrer" target="_blank">newsletter</a></li><li>Join <a href="https://www.studentloanplanner.com/insider" rel="noopener noreferrer" target="_blank">SLP Insiders</a> for student loan loopholes, SLP app and member community</li></ul> Feeling helpless when it comes to your student loans?<ul><li>Try our <a href="https://www.studentloanplanner.com/free-student-loan-calculator/" rel="noopener noreferrer" target="_blank">free student loan calculator</a></li><li>Check out our <a href="https://www.studentloanplanner.com/refinance-student-loans/" rel="noopener noreferrer" target="_blank">refinancing bonuses</a> we negotiated</li><li>Book your <a href="https://www.studentloanplanner.com/hire-student-loan-help/" rel="noopener noreferrer" target="_blank">custom student loan plan</a></li><li>Get profession-specific <a href="https://slpwealth.com/" rel="noopener noreferrer" target="_blank">financial planning</a></li></ul> Do you have a question about student loans? <a href="http://studentloanplanner.com/voicemail" rel="noopener noreferrer" target="_blank">Leave us a voicemail here</a> or email us at <a href="mailto:help@studentloanplanner.com" rel="noopener noreferrer" target="_blank">help@studentloanplanner.com</a> and we might feature it in an upcoming show!Mentioned in this episode:Free Student Loan newsletterIf you are not already getting our weekly newsletter every Thursday, you are missing out. We break down studio loan news, updates, money tips, all in one helpful newsletter. Sign up for free at https://studentloanplanner.com/newsletterThe SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplanner

You’re coming off years of low or no student loan payments, only to face 10-20x jumps seemingly overnight. We get into why payments are up so sharply, what to do (and not do) if your budget’s getting squeezed, and how to use tax and filing strategies to lower your monthly student loan bill. We also share how to navigate marriage, family size, and community property rules when recertifying, so you can keep more options (and cash) in your hands. Key moments: (00:00) Payment shock: increases up to 20x after years of forbearance and SAVE (07:12) How retirement contributions and pre-tax accounts lower student loan payments (09:27) Married filing separately, and when it drops your payment (16:09) PAYE goes away July 2028, and who should switch before the deadline (20:19) Forgiveness is now taxable, and what to plan for if it’s in your future Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show! Mentioned in this episode: Free Student Loan newsletter If you are not already getting our weekly newsletter every Thursday, you are missing out. We break down studio loan news, updates, money tips, all in one helpful newsletter. Sign up for free at https://studentloanplanner.com/newsletter The SLP YouTube Channel If you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplanner

You’re coming off years of low or no student loan payments, only to face 10-20x jumps seemingly overnight. We get into why payments are up so sharply, what to do (and not do) if your budget’s getting squeezed, and how to use tax and filing strategies to lower your monthly student loan bill. We also share how to navigate marriage, family size, and community property rules when recertifying, so you can keep more options (and cash) in your hands.Key moments:(00:00) Payment shock: increases up to 20x after years of forbearance and SAVE(07:12) How retirement contributions and pre-tax accounts lower student loan payments(09:27) Married filing separately, and when it drops your payment(16:09) PAYE goes away July 2028, and who should switch before the deadline(20:19) Forgiveness is now taxable, and what to plan for if it’s in your futureLike the show? There are several ways you can help!<ul><li>Follow on <a href="https://itunes.apple.com/us/podcast/student-loan-planner/id1446453497?mt=2&amp;ls=1" rel="noopener noreferrer">Apple Podcasts</a>, <a href="https://open.spotify.com/show/6w2qdUPNMEFYr0JzGXNgT1" rel="noopener noreferrer">Spotify</a> or <a href="https://music.amazon.com/podcasts/d675bc81-d6f6-4d5a-b354-864b5008fed7/student-loan-planner" rel="noopener noreferrer">Amazon Music</a></li><li>Leave an honest review on <a href="https://itunes.apple.com/us/podcast/student-loan-planner/id1446453497?mt=2&amp;ls=1" rel="noopener noreferrer">Apple Podcasts</a></li><li>Subscribe to the <a href="https://www.studentloanplanner.com/podcast-landing/" rel="noopener noreferrer">newsletter</a></li><li>Join <a href="https://www.studentloanplanner.com/insider" rel="noopener noreferrer">SLP Insiders</a> for student loan loopholes, SLP app and member community</li></ul> Feeling helpless when it comes to your student loans?<ul><li>Try our <a href="https://www.studentloanplanner.com/free-student-loan-calculator/" rel="noopener noreferrer">free student loan calculator</a></li><li>Check out our <a href="https://www.studentloanplanner.com/refinance-student-loans/" rel="noopener noreferrer">refinancing bonuses</a> we negotiated</li><li>Book your <a href="https://www.studentloanplanner.com/hire-student-loan-help/" rel="noopener noreferrer">custom student loan plan</a></li><li>Get profession-specific <a href="https://slpwealth.com/" rel="noopener noreferrer">financial planning</a></li></ul> Do you have a question about student loans? <a href="http://studentloanplanner.com/voicemail" rel="noopener noreferrer">Leave us a voicemail here</a> or email us at <a href="mailto:help@studentloanplanner.com" rel="noopener noreferrer">help@studentloanplanner.com</a> and we might feature it in an upcoming show!Mentioned in this episode:Free Student Loan newsletterIf you are not already getting our weekly newsletter every Thursday, you are missing out. We break down studio loan news, updates, money tips, all in one helpful newsletter. Sign up for free at https://studentloanplanner.com/newsletterThe SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplanner

Student Loan Payments Are Going Up

The student loan crisis is looming. CFA and Student Loan Expert, Travis Hornsby, shows why almost every professional you meet these days owes more in student debt than a brand new Mercedes. If you've got six-figures of student loan debt, this show is for you. For more information, visit the show notes at <a href= "https://studentloanplanner.com/001" target="_blank" rel= "noopener">https://studentloanplanner.com/001</a> aLd4PFlbtFNOx8G8Pimt

The student loan crisis is looming. CFA and Student Loan Expert, Travis Hornsby, shows why almost every professional you meet these days owes more in student debt than a brand new Mercedes. If you've got six-figures of student loan debt, this show is for you. For more information, visit the show notes at https://studentloanplanner.com/001 aLd4PFlbtFNOx8G8Pimt

The student loan crisis is looming. CFA and Student Loan Expert, Travis Hornsby, shows why almost every professional you meet these days owes more in student debt than a brand new Mercedes. If you've got six-figures of student loan debt, this show is for you. For more information, visit the show notes at <a href="https://studentloanplanner.com/001" rel="noopener noreferrer">https://studentloanplanner.com/001</a> aLd4PFlbtFNOx8G8Pimt

Introducing: The Student Loan Planner Podcast

Travis helps you navigate the insane world of student loans, especially if you owe $20,000 to $1 million. If you've ever spent too much time on the phone with your loan servicer, this is the show for you. Every week we share tips on loan forgiveness, investing, crushing debt, and how to get to financial freedom when you owe more than most people's mortgage.

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Student Loan Planner

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