How to Choose the Right Student Loan Repayment Plan

Stanley Tate and attorney Joshua Cohen break down what’s really happening with the SAVE plan, PSLF buyback, IBR vs. RAP, and what it means for your path to forgiveness. They explore tough scenarios, like single borrowers hit with massive payment jumps, families adjusting to higher IBR bills, and people stuck in default trying to choose between consolidation or rehabilitation. They also cover what IDR forgiveness really means, how litigation is reshaping options, and when bankruptcy might actually make sense. If you’re trying to make sense of your student loan repayment strategy in 2025, this conversation is for you.