John Hine

With ongoing changes across the federal student loan system, one of the simplest yet most overlooked steps borrowers can take is confirming who currently services their loans. Servicing transfers have become increasingly common over the last two years, especially with major updates to repayment programs and account adjustments. But many borrowers only discover their servicer has changed after a missed payment, a delayed update, or an unexpected notice. Staying ahead of these changes can...

Big recent moves in the federal student loan world mean it’s more important than ever to stay informed and proactive. Here are three headline-changes and how you should respond to each. The One Big Beautiful Bill Act (OBBBA) is heading into major rule-making. The U.S. Department of Education has concluded a negotiated rule-making session tied to the law, which aims to simplify repayment plans and reshape graduate loan limits. The Department of Education has issued a final rule tightening...

Public Service Loan Forgiveness (PSLF) continues to be a life-changing opportunity for dedicated public servants across the nation. Imagine: after 120 qualifying payments, your remaining federal student loan debt could be completely forgiven! But navigating the specific eligibility criteria is the crucial first step on this impactful journey. As of November 2025, the fundamental requirements remain steadfast: you must be employed full-time by a qualifying employer. This includes U.S. federal,...