The Student Loan Help Group

The Student Loan Help Group Currently $369,445,602 in total borrower forgiveness.🥳

Trusted PSLF and IDR interpreters. Human guidance + clear repayment strategy that works. 🤩

🚨 TSLHG BREAKING STUDENT LOAN NEWSGrad PLUS is no longer available to most graduate and professional students for period...
08/24/2026

🚨 TSLHG BREAKING STUDENT LOAN NEWS

Grad PLUS is no longer available to most graduate and professional students for periods of instruction beginning on or after July 1, 2026.

For teachers, nurses, social workers, public health professionals, and other public servants planning an advanced degree, this could leave a significant gap between federal aid and the full cost of the program.

You may qualify for the temporary transition exception if you:

âś“ Were enrolled in that program at that institution as of June 30, 2026
âś“ Had any Direct Loan for that program disbursed before July 1, 2026

Important: Having an older Grad PLUS Loan by itself is not enough.

The exception also does not automatically provide three more years of Grad PLUS. It lasts for the lesser of three academic years or the official time remaining in your program—and it may be lost if you withdraw or otherwise stop being enrolled.

Tomorrow, we’ll explain the new federal borrowing limits and which limit generally applies to public-service graduate programs.

Not sure which rules apply to you? Book an appointment with TSLHG before making your next enrollment or borrowing decision.

Information current as of August 23, 2026. Educational content only; eligibility is determined under federal rules and your school’s records.

Think you may already qualify for IBR forgiveness? Now is the time to verify your information.Log in to StudentAid.gov a...
08/22/2026

Think you may already qualify for IBR forgiveness? Now is the time to verify your information.

Log in to StudentAid.gov and review your current plan, IDR payment count, and loan history. Update your contact information, save screenshots and processing notices, and contact your servicer if your count or status appears incorrect.

IBR remains available to eligible borrowers with loans taken out before July 1, 2026, provided they do not receive a new loan disbursement, including a new consolidation loan, on or after that date.

If you’re currently on PAYE or ICR, remember that those plans are scheduled to end July 1, 2028. That doesn’t mean you should make an immediate change without reviewing your situation, but it does mean you need a long-term strategy.

Not sure whether you’re approaching IBR forgiveness, pursuing PSLF, or enrolled in the right plan? Book an appointment with TSLHG through the link in our bio.

The Student Loan Help Group. Where Complexity Meets Clarity.

08/21/2026

Does the new 1% auto-pay interest rate reduction benefit every repayment plan in the same way? Not exactly.

Borrowers on Standard or Extended repayment schedules may see a more direct impact because interest affects the cost of repaying their loans over time.

Under income-driven plans such as IBR and RAP, required monthly payments are based primarily on income and household factors, not the interest rate. The reduction may not lower the required payment, but it can still reduce interest costs.

RAP also includes an unpaid-interest waiver and a potential monthly principal match, so the value of auto pay will depend on each borrower’s situation.

One more important distinction: IDR forgiveness in 2026 or later is generally taxable federally, but PSLF, Teacher Loan Forgiveness, and certain other discharges are not.

Watch Part Three to see what this reduction could actually be worth.

08/20/2026

🚨 TSLHG Breaking Student Loan News: The auto-pay interest rate reduction has temporarily increased from 0.25% to a full one-percentage-point reduction.

This does not mean your interest rate becomes 1%. It means one percentage point is deducted from your existing rate.

The benefit applies to eligible Direct Loans disbursed on or after July 1, 2012, and continues through June 30, 2028.

Already enrolled in auto pay? Your servicer should make the adjustment automatically.

Not enrolled? Sign up directly through your loan servicer by 11:59 p.m. ET on September 30, 2026, and remain enrolled to keep the benefit.

Watch Part Two to learn how much this reduction could actually save you.

Information current as of August 20, 2026. Source: U.S. Department of Education and Federal Student Aid.

08/20/2026

Think you may be approaching IBR forgiveness? Start by verifying your information.

Review your current repayment plan, any IDR payment count available, and your complete loan disbursement history. Save your records, keep your contact information updated, and contact your servicer if something appears incorrect.

A new federal loan or consolidation after July 1, 2026, can affect your IBR options. PAYE and ICR are also scheduled to end July 1, 2028, so review your situation before making changes.

Need help understanding your timeline? Book an appointment with TSLHG through the link in our bio.

The Student Loan Help Group. Where Complexity Meets Clarity.

08/20/2026

IBR forgiveness is being processed again, but that does not mean every borrower with older loans automatically qualifies.

If you’ve been repaying federal student loans for decades, this is worth reviewing. Under IBR, eligible borrowers may have their remaining balance forgiven after 20 or 25 years of qualifying repayment, depending on their borrower status and loan eligibility.

The 20-year timeline applies to borrowers considered new borrowers on or after July 1, 2014. Otherwise, the IBR timeline is generally 25 years. Because the 20-year category began in 2014, borrowers reaching IBR forgiveness today will generally fall under the 25-year timeline.

One important distinction: IBR does not require public-service employment. PSLF is a separate program for eligible Direct Loan borrowers who make 120 qualifying payments while working full-time for a qualifying government or nonprofit employer.

Start by logging in to StudentAid.gov and reviewing your loan types, current repayment plan, and available loan history. If an IDR payment count appears, save a copy. If it does not, do not assume you are ineligible. The public payment counter has not been consistently available to every borrower.

Also important: IBR forgiveness with an effective date in 2026 or later may have federal tax consequences, while PSLF generally does not. Individual tax situations can vary.

In Part 2, we’ll explain what to check next.

If you’ve been repaying your federal student loans under IBR for 20 years or more, this is an update worth checking.IBR ...
08/18/2026

If you’ve been repaying your federal student loans under IBR for 20 years or more, this is an update worth checking.
IBR forgiveness is moving again for borrowers who have completed the required repayment period. Depending on when you first borrowed, that timeline may be 20 or 25 years.

One important distinction: IBR forgiveness is based on your repayment history and does not require public-service employment. If you’re a teacher, nurse, government employee, or nonprofit worker, you may also want to review your progress toward PSLF, which follows a separate 120-qualifying-payment path.

Log in to StudentAid.gov and review your repayment plan and IDR payment count. Don’t assume your balance or account automatically reflects your complete history.

In Part 2, we’ll explain what to check next.

Now that the employer rule has been vacated, what should PSLF borrowers do next?Verify, document, and continue tracking ...
08/16/2026

Now that the employer rule has been vacated, what should PSLF borrowers do next?

Verify, document, and continue tracking your progress.

Use the official PSLF Help Tool to confirm your employer. If you haven’t submitted a PSLF form recently, consider updating your employment certification. Then, review your qualifying payment count and confirm that your loans and repayment plan meet current PSLF requirements.

Most importantly, keep your own copies of every form, certification, confirmation, and payment-count update. Don’t depend entirely on what appears inside an online account.

If your employer is missing, your count looks incorrect, or you’re unsure whether you’re still on track, TSLHG can help you review the details and understand your next steps.

Book an appointment through the link in our bio.

Back to school season is here, but is your student loan strategy ready for what comes next? 🎓Join us for our upcoming we...
08/14/2026

Back to school season is here, but is your student loan strategy ready for what comes next? 🎓

Join us for our upcoming webinar:

Back to School, Back on Track: Understanding Student Loan Forgiveness in 2026

We’ll help bring clarity to today’s federal student loan forgiveness landscape so you can better understand your options and next steps.

đź“… Thursday, August 20
⏰ 4:30 PM ET
đź”— Register here: https://meet.zoho.com/jujb-rih-uhf

The title may say “Back to School,” but this webinar is open to everyone!

Teachers, nurses, nonprofit employees, and government workers can take a breath.A new rule could have allowed the Depart...
08/13/2026

Teachers, nurses, nonprofit employees, and government workers can take a breath.

A new rule could have allowed the Department of Education to remove certain government and nonprofit employers from PSLF eligibility. However, federal courts vacated that rule before it took effect.

What does that mean?

PSLF is not going away. Its 120-qualifying-payment structure remains in place, and employer eligibility continues to be evaluated under the existing standards.
However, don’t rely on headlines or assumptions. Confirm your specific employer through the official PSLF Help Tool at StudentAid.gov/PSLF.

Still unsure whether your employer or employment period qualifies? Book an appointment with TSLHG through the link in our bio.

Save this post for Part 2, where we’ll explain what you should do next.

The Student Loan Help Group. Where Complexity Meets Clarity.

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