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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Learn how to lower your taxable income and reduce student loan payments by optimizing pretax benefits like 401(k)s, IRAs, Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and more. Financial experts Meagan McGuire and Connor Pierce guide you through these valuable strategies. In today’s episode: 09:18 Strategies for maximizing ret…
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With recertification deadlines for income-driven repayment (IDR) plans being pushed back repeatedly, there's a growing concern that borrowers may be hit with unexpectedly high payments once these delays finally end. This situation is creating what I call the “IDR recertification time bomb.” In today’s episode: 03:37 Payments could skyrocket to 10 o…
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From mounting credit card and auto loan debt to the less obvious pitfalls of inflation and misguided investment choices, Meagan McGuire and Sim Terwilliger unpack the five financial traps they see student loan borrowers falling into. In today’s episode: 01:41 Credit card debt, average balances by generation, and the best defense against growing bal…
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As legal battles unfold, student loan borrowers face a wave of uncertainty. In this episode, I’ll break down the latest developments from the 8th Circuit Court and explore how their recent rulings could impact the future of student loan forgiveness plans like Saving on a Valuable Education (SAVE). In today’s episode: 02:33 The 8th Circuit Court's d…
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Ever wondered how politicians invest? Join me and special guest Meagan McGuire as we discuss the portfolios of Vice President Kamala Harris and other political figures. We'll explore the importance of a balanced portfolio and share our personal experiences on the value of seeking professional advice. In today’s episode: 03:33 Kamala Harris’s portfo…
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The latest on the Biden administration’s student loan cancellation program includes opt-out provisions that have left many scratching their heads. I’ll cover that and explain the legal back-and-forth and endless policy changes of student loan repayment, so you don’t have to feel so alone. In today’s episode: 00:36 The 8th Circuit Court ruling means…
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Switching jobs is about more than employee benefits and compensation packages when you’re a student loan borrower. Student loan advisors Connor Pierce and Jake Courtney explore how federal student loans can adapt to income changes, making them less stressful when contemplating career moves or starting a business. In today’s episode: 06:10 Analyze P…
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The labyrinth of pre-COVID student loan rules are making a dramatic return. I’ll explore the Biden administration's key regulations impacting Public Service Loan Forgiveness (PSLF) and income-driven repayment (IDR) plans, the legal battles putting these changes on ice, and what it means for borrowers caught in the middle. In today’s episode: 01:50 …
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Dennis Hornsby, licensed insurance agent, joins me to discuss the critical role of disability insurance in protecting your income and lifestyle. He shares his expertise on the advantages of purchasing coverage early to secure lower rates and the ethics of choosing the right broker. If you're a high-income professional or have student debt, you won'…
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Independent Multi-Practice Veterinarian on Conquering Ownership Fears
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I had an inspiring conversation with Dr. Mike Walker, a veterinary practice owner. Listen is as he shares his journey from graduating vet school in 2017 with significant student loan debt to owning Apollo Vet, a clinic worth between $4 to $5 million today. In today’s episode: 04:46 Preparing financially before starting a business 16:51 Fear of the …
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The Saving on a Valuable Education (SAVE) plan is being temporarily blocked by an appeals court, and the whole plan could be in jeopardy. No new sign ups are allowed, but this is not the final word. Here’s what you need to know.
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The Saving on a Valuable Education (SAVE) plan faces legal heat. Two separate lawsuits, one in Missouri and another in Kansas, each attacking the plan from a different angle. Is the SAVE plan in danger of disappearing? I’ll explain what the lawsuits mean for student loan borrowers and why they’re a risk to the SAVE plan, so you know exactly what’s …
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Public Service Loan Forgiveness (PSLF) has been on pause since May while servicing transitions away from MOHELA, causing waves. Student Loan Advisors Sim Terwilliger and Sam Silberstein dissect what these shifts mean for borrowers. Learn the new processes for submitting and tracking PSLF forms through StudentAid.gov, the impacts of administrative f…
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The student loan world continues to change. Looming deadlines are approaching and there is an injunction to the Saving on A Valuable Education (SAVE) plan. Listen in as student loan experts Kathleen Boyd, CFP®, CSLP® and Lauryn Williams, CFP®, CSLP®, AFC® answer your burning questions. Including factors and considerations for the SAVE plan injuncti…
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A looming June 30, 2024, deadline means big changes for student loan borrowers. Student loan experts Lauryn Williams and Connor Pierce explain why this is the last call for the IDR waiver, Pay As You Earn (PAYE) plan and Income Contingent Repayment (ICR) plan. Learn what’s at stake with these benefits phasing out and how to avoid costly mistakes. I…
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Student loan interest rates are on the rise as we head into the 2024-2025 academic year. What does this mean for you? David Aizuss, CSLP®, explores the effect on students, graduates, and parents. Discover how student loan interest rates work and why higher interest rates could change your approach to repayment and forgiveness. In today’s episode: 0…
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I’m exploring investment strategies tailored for student loan borrowers, tackling tax challenges, investment allocation, and how specific identification of shares can make all the difference. Plus, I share the link between income-driven repayment (IDR) plans and your investment returns. In today’s episode: 04:25 50% VTSAX and 50% VTIAX for simple i…
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One of the most beneficial income-driven repayment (IDR) plans will be discontinued on July 1, 2024. Why haven’t you heard about Pay As You Earn (PAYE) going away? Because it’s not mentioned on StudentAid.gov (as of the date of this podcast), and borrowers have told us they’re getting mixed messages from their servicers. PAYE’s discontinuation was …
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Listen in as I answer questions from our mailbag, discuss the peculiar happenings at Nelnet, and provide updates on where we stand with student loans in May. We’ll start with listener questions about the $12,000 10-year forgiveness option, Parent PLUS loans, and income-driven repayment (IDR) recertification dates. You’ll also hear about summer upda…
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Are you staring at a mountain of student debt, unsure where to begin? Whether you’ve just tossed your graduation cap in the air or are in the early stages of your career, the key to regaining control lies in choosing a repayment plan that aligns with your financial goals and lifestyle. Meredith Jones, CSLP®, AFC®, and Connor Pierce DPT, COMT, CMPT,…
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Curious about student loan planning? This episode is packed with real-life scenarios, insider knowledge, and practical advice for your student loan journey. Get insight into ambiguous regulations, servicer misinformation and the impact it has on borrowers from Lauryn Williams, CFP®, CSLP®, AFC®, and Justin Kim-Hummel, former client and integral mem…
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Travis shares the best stress reduction strategies out there for current and aspiring business owners. Enroll at https://studentloanplanner.com/profit
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Get ready to uncover the myths, master the rewards, and smartly amplify your spending power — all while keeping your finances sharp and your debt strategy on point. Whether you're looking to squeeze every last benefit out of your credit card points, contemplating the right card for your business expenses, or simply looking to use your cards more st…
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A timely discussion of what happens as we face down the expiration of the IDR waiver. Will the administration extend it at the last second? We don't know (as of the time of the recording). But one thing is sure: Borrowers can expect seismic shifts as the IDR waiver ends. It's been key to unlocking the forgiveness gates for many, but its flexible co…
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Roth IRAs are a highly recommended retirement savings option but it’s not all smooth sailing. Student loan repayment, income limitations, and tax filing status can lead you to treacherous waters. Learn the missteps to avoid and how to correct mistakes before they escalate into hefty fines and taxes. Join student loan advisors Meagan McGuire, ChFC®,…
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It's the last call for the IDR waiver (aka IDR account adjustment). If you’ve listened to this podcast, you probably know what it is — but if you're not sure how the IDR waiver could benefit you, or if you have questions about PSLF, loan consolidation, or income recertification, this episode is for you. I’ll take you back to the beginning of the ID…
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The Dept of Education Shifts PSLF Processing from MOHELA: The Real Reason and Borrower Impact
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The Public Service Loan Forgiveness (PSLF) program is undergoing major changes. The government is taking over processing from MOHELA, and a temporary pause is expected in May and June. How will this affect you? First, don’t panic — PSLF isn’t shutting down. The government is simply pausing processing while they transition everything over. But you’l…
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It sounds shocking, but it’s a reality we can’t ignore — and this isn’t just about folks burdened with 6-figure student loan debts. Now, even if you have a smaller loan balance, you have a path to student loan forgiveness. It’s the new SAVE repayment plan that’s making it possible. Listen in as we explore key factors shifting borrowers away from re…
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To put it bluntly, MOHELA has student loan borrowers jumping through hoops to get things done, and it’s been extremely frustrating. Countless delays and mistakes being made, hours of being on hold or even being hung up on by servicers… the list goes on! In this episode, hosts Sim Terwilliger, CFP®, CSLP®, Sam Silberstein, CFP®, CSLP®, and Ben Lacom…
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We’re standing at the edge of a major financial cliff that no one is ready for. Student loan forgiveness is happening at unprecedented rates — $138 billion and counting. Right now, borrowers are enjoying tax-free forgiven student loan debt courtesy of the American Rescue Plan. However, these benefits are set to expire at the end of 2025, leaving bo…
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For those of you stepping into new roles, congratulations! This milestone comes with a lot of things to think about, from managing lifestyle inflation to understanding the impact of major purchases on your future. We’ll uncover valuable insights on income-based student loan payments, refinancing options, and how to approach big decisions like wheth…
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Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get p…
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Deadlines for updating your income and family size information for your IDR plan have been extended to late September 2024, at the earliest.
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Are you curious about business ownership? Whether you're just flirting with the idea of starting your venture or already knee-deep in entrepreneurship, this show is packed with actionable advice to help guide your journey. We'll explore why setting boundaries is not just a buzzword but a fundamental practice for any successful business owner. You’l…
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Tax season got you scratching your head? Let’s clear the fog. Join me and Rebecca Bauldauf, CPA, CCFC, from the SLP Wealth tax team, as we navigate the maze of taxes, student loan planning, family dynamics, and long-term financial strategies. Whether you're flying solo or juggling the finances of a growing family, you’ll discover actionable tips th…
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Financial advice has never been more accessible — or more questionable. Are you ready to tackle the truth behind those viral finance hacks you’ve seen online? The barrage of personal finance advice on platforms like TikTok is a siren song, promising financial security and a life free from money worries. But those tips can affect more than just your…
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Are you ready to strip away the layers of your financial life? We’re unbuttoning the secrets of debt management and financial planning. We cover everything from the impact of inflated car prices on credit and the potential risks and benefits of home equity lines of credit (HELOCs) to debt management strategies and the potential tax implications of …
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The world of real estate can feel overwhelming. The rewards can be incredible, but it’s a journey filled with highs and lows. Joining me is Student Loan Advisor Rebecca Baldauf, CPA, CCFC, and Senior Student Loan Advisor and partner in SLP Wealth Dan Rooker, CFP®, CSLP®. They’re sharing their experiences with multifamily properties, I open up about…
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Just in time for tax season, I’m unraveling the complex tax strategy of married filing separately. You might have heard that it’s a game-changer, especially for folks with student loans. But it’s not at all straightforward. You’ll learn the dos and don’ts, and I’ll uncover tips to help you avoid costly mistakes and even find some savings along the …
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Get a sneak peek into what lies ahead in the world of student loans in 2024 as I discuss upcoming changes, potential scenarios and strategies you need to know. You’ll learn about administrative forbearance, income-driven recertification, the influence of the 2024 presidential election, and policy changes that could significantly impact you as a stu…
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Want to build up your savings or cut costs in 2024? From filing taxes and saving on insurance to buying a car and saving for travel, I’m bringing you 10 ways you can save at least $1,000 this year. And some of these can potentially save you $10,000 or more. The best part? These are strategies you can learn and do on your own. Of course, you can enl…
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We recently conducted a survey where thousands of our listeners generously shared their financial dreams for 2024. Listen in as I explore the top 10 financial goals straight from our audience. We’ll tackle debt management challenges, explore various paths to financial independence, early retirement, and personal fulfillment. You’ll get practical, a…
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As 2023 comes to an end, it’s the perfect time to think about smart student loan moves you should make in 2024. First, I answer listener questions about administrative forbearance, consolidating loans, tactics for keeping student loan payments low, in-school deferment waivers and more. I’m not just helping you prepare for the upcoming shifts in stu…
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FinCon Panel Discussion: Insider Advice on Student Loan Repayment, Default, Rehabilitation and Consolidation
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Listen in to a panel of student loan experts recorded live at FinCon 2023. FinCon is the world’s largest financial content expo. You’ll hear first-hand strategies and tips from lawyers and financial planners specializing in student loans. Together, they answer audience questions and discuss student loan topics like loan repayment and risk mitigatio…
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Get ready for part two of our 40 tips to supercharge your student loan repayment journey. Hosts Ben Lacomis, CSLP®, Derenda King, CFP®, CSLP®, Scotty McDonald, CSLP®, and Meredith Jones, CSLP®, AFC®, share valuable insights on student loan forgiveness, income driven repayment plans, and other critical strategies for managing student debt. From expl…
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Whether navigating the post-graduation grace period, exploring new repayment options, or looking to supercharge your loan payoff, this episode is jam-packed with practical advice to help you take charge of your financial journey. Hosts James Mwombela, CFP®, CSLP®, Rebecca Baldauf, Jake Courtney and Sam Silberstein deliver a wealth of insights for e…
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Time is running out for the IDR Account Adjustment. The so-called “IDR Waiver” is the biggest backdoor student loan forgiveness program in history, and it’s ending in less than 30 days. Learn exactly what the IDR Waiver is, the steps you need to take to take advantage of it, and how it could give you immediate forgiveness even if you didn’t know yo…
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College funding isn’t everyone’s favorite topic. However, the reality of higher education costs requires a proactive approach. If you’ve been diligently saving for years or are realizing the urgency to start now, valuable insight awaits you in this episode. Join our host, Meagan McGuire, CSLP®, as she sits down with Student Loan Advisors Derenda Ki…
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Navigating the maze of family finances isn’t for the faint of heart, especially when student loans are part of your story. Get ready to reshape your financial future with insights tailored specifically for parents. Our expert Student Loan Advisors Lauryn Williams, CFP®, CSLP®, and Sim Terwilliger, CFP®, CSLP®, bring their expertise directly to you,…
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This is a groundbreaking episode where I’m unveiling something that will revolutionize your financial world. Joining me is Rebecca Baldauf, CPA, CCFC, and together, we’re rolling out our new tax planning service. Tailored to anyone who would love to streamline financial, student loan, and tax planning strategies, SLP Tax Planning brings together a …
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