Student loan guides for borrowers in the U.S. and Canada: federal repayment plans, consolidation, refinancing and forgiveness programs, and how to compare lenders.
Since July 1, 2026, new grad students can borrow $20,500 a year with no grad PLUS, professional students $50,000, and parent PLUS is capped at $20,000 a year per student. Exact limits and how to close the gap.
Federal student loan wage garnishment and Treasury offset are paused for now. Learn the 15% rule, the 30- and 65-day notice deadlines, and how rehabilitation or consolidation protects your paycheck.
STUDENT LOAN REFINANCING · REVIEW 2026 Earnest Student Loan Refinancing Review 2026 — Is It Worth It? Earnest has refinanced
UPDATED JULY 2026 — INCLUDES NEW REPAYMENT RULES Pay Off Student Loans Fast — 7 Strategies That Actually Cut Years
STUDENT LOANS · 2026 GUIDE Best Student Loan Refinancing Options 2026 Refinancing can cut your interest rate in half and
STUDENT LOANS · 2026 GUIDE Student Loan Forgiveness 2026 — Every Active Program Explained Americans owed $1.65 trillion in student
Public Service Loan Forgiveness (PSLF): How It Works in 2026 A free federal program that can erase your remaining student
Income-Driven Repayment Plans in 2026: What’s Changing and What to Do Federal repayment plans are going through their biggest overhaul
Direct Consolidation Loan: The Federal Program Explained A free federal program that combines multiple federal student loans into one —
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