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Student Loan 101

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Student Loan 101

Student Loan Types and Interest
Student Loan Types and Interest
May 8, 2025
Student Loan Interest Capitalization
July 21, 2022
Refinancing Federal Student Loans
June 19, 2023

Advantages and Disadvantages of refinancing federal student loans with a private refinance loan.
Income-driven Repayment (IDR) Plans
Discretionary Income for Income-Driven Repayment (IDR) Plans
December 20, 2024
Income-Driven Repayment Profiles
May 2, 2025
Income-Contingent Repayment (ICR)
March 6, 2025
Income-Based Repayment (IBR, 2009)
February 10, 2025
Pay As You Earn (PAYE)
September 5, 2025
Income-Based Repayment (IBR, 2014)
March 5, 2025
Revised Pay As You Earn (REPAYE), Saving On A Valuable Education (Save)
September 6, 2025
Repayment Assistance Program (RAP)
August 20, 2025

Wiki Debt page describing the newest income-driven plan, RAP.
File a tax return before graduation
April 14, 2025

IDR plan applications require income documentation. The federal income tax return is the gold standard. File a tax return before graduation, whether you need to or not.
Forgiveness Planning
August 6, 2020

Factors and considerations in building a forgiveness plan
Married Federal Student Loan Borrowers using IDR
April 14, 2025
Income-Driven Repayment Forgiveness
December 11, 2024
Public Service Loan Forgiveness (PSLF) - Most Direct Path
August 22, 2024

Quick guide to the fastest, most direct route to achieve PSLF
Income-driven Repayment for Veterinary Internships & Residencies
June 26, 2025

Information and strategies for using IDR for veterinary interns and residents.
Which IDR Plan CAN I Use?
Student Loan Types and IDR Eligibility
August 22, 2024
Income-Driven Repayment Profiles
May 2, 2025
PAYE Algorithm
October 29, 2018
REPAYE Algorithm
July 15, 2022
IBR Algorithm
November 18, 2016
Loan Grey Zone
January 1, 2016
Which IDR Plan SHOULD I Use?
Income-Driven Repayment Comparison
May 2, 2025

Table comparing features/aspects of IDR plans

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