Student Loans

If you're one of the roughly 7 million borrowers who spent the last two years parked in SAVE forbearance, your servicer is about to send you a letter with a 90-day clock attached.

If you signed up for the SAVE plan back in 2023, you've spent the last two years watching your student loans get tossed around like a legal hot potato. Court injunctions. Forbearance. Interest that stopped, then started again. Emails from your servicer that raised more questions than they answered.

Using a federal student loan to buy a car isn't just discouraged — it's a violation of your Master Promissory Note, the binding contract you sign at disbursement.

You're scrolling through your credit report, and there it is: that student loan balance staring back at you, dragging down a number you're trying so hard to lift.

Roughly 43 million Americans carry student loan debt — but fewer than half could accurately describe what happens to their loan when they miss a payment. That knowledge gap is expensive. Depending on whether your loan is federal or private, the financial consequences of a single missed payment can range from a minor administrative headache to a credit-score collapse and immediate legal exposure.