Millions of Borrowers Must Choose a New Repayment Plan — Here’s How to Pick
Should you choose RAP or IBR for your student loans? Use our decision tree to find the new repayment plan for your situation.
Robert Farrington is America’s Millennial Money Expert® and America’s Student Loan Debt Expert™, and the founder of The College Investor, a personal finance site dedicated to helping millennials escape student loan debt to start investing and building wealth for the future. You can learn more about him on the About Page or on his personal site RobertFarrington.com.
He regularly writes about investing, student loan debt, and general personal finance topics geared toward anyone wanting to earn more, get out of debt, and start building wealth for the future.
He has been quoted in major publications, including the New York Times, Wall Street Journal, Washington Post, ABC, NBC, Today, and more. He is also a regular contributor to Forbes.

Should you choose RAP or IBR for your student loans? Use our decision tree to find the new repayment plan for your situation.

FSA reports 7.7 million borrowers with $180 billion in student loans are in default as of December 2025. Here’s what borrowers need to know.

SAVE borrowers must switch plans as loan transfers, forgiveness, and program cuts reshape higher ed.

Is Wealthfront still worth it? We explore its features, fees, returns, and tax-loss harvesting strategies to see if it’s the right investing platform for you.

Borrowers in the SAVE forbearance will be receiving notifications from their loan servicers to choose a new repayment or default back to standard repayment.

Five Senate Democrats are demanding the Trump administration stop its plan to transfer student loan management to the Treasury Department.

Think Student Loans Take 10 Years To Repay? Federal Data Shows It Takes 17 to 23 Years on Average

The CFPB wants to lay off over half its staff in a revised plan filed with federal court. Here’s what changes and what stays.

A House Judiciary Committee report finds the NRMP Match operates as a monopoly, suppressing resident wages and worsening student loan burdens.

These are the best free checking accounts for your banking in 2026, including free checking with interest, cashback debit, and more.

Learn about the capital gains tax brackets for 2026 and the rates associated with them. Here’s a quick overview to get you started along with the historical rates.
The College Investor® provides the latest news and analysis for saving and paying for college, student loan debt, personal finance, banking, and college admissions.