128 episodes

Travis helps you navigate the insane world of student loans, especially if you owe $50,000 to $1 million. If you've ever spent too much time on the phone with your loan servicer, this is the show for you. Every week we share tips on loan forgiveness, investing, crushing debt, and how to get to financial freedom when you owe more than most people's mortgage.

Student Loan Planner Travis Hornsby

    • Business
    • 4.8 • 99 Ratings

Travis helps you navigate the insane world of student loans, especially if you owe $50,000 to $1 million. If you've ever spent too much time on the phone with your loan servicer, this is the show for you. Every week we share tips on loan forgiveness, investing, crushing debt, and how to get to financial freedom when you owe more than most people's mortgage.

    The Looming Legal Fight over Cancellation

    The Looming Legal Fight over Cancellation

    Have the chances of student loan debt cancellation increased in recent weeks? Yes. But it isn’t that simple.
    Join me as I discuss the possibility of student loan debt cancellation, what it could mean for your repayment strategy, and why I think the looming legal battle over cancellation would create chaos.
     
    In today’s episode, you'll find out:
    Listener question: How your income impacts your IDR plan when filing taxes separately if you’re married Listener question: Should you pay extra on your loan if you’re on the REPAYE plan? My experience looking for housing in today’s market Why student loan refinancing interest rates are still so low Why there’s a high probability of student loan debt cancellation  The reason I think student loan debt cancellation won’t actually happen How student loan cancellation would impact your repayment strategy The legal review going on right now about whether the president has the authority to cancel student loan debt Whether $10k or $50k will be cancelled and how it might happen Why I think student loan debt cancellation is a distraction from the real problem  
    Like the show? There are several ways you can help!

    Follow on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn  
    Feeling helpless when it comes to your student loans?
    Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan

    • 50 min
    The Challenges Women Face When Up Against Student Loan Debt

    The Challenges Women Face When Up Against Student Loan Debt

    It’s a consultant takeover! All of the ladies of Student Loan Planner, Lauryn Williams, Meagan Landress, and Molly Laughter, are talking more about the mental health survey.
    There’s more to student debt than managing the numbers, and they’re going to unpack the challenges women face when they are up against student loan debt and while navigating life in general.
    In today’s episode, you'll find out:
    What is the mental health survey The biggest factor in mental wellness when you have student loan debt Why so many women borrowers have suicidal ideation because of student loans How occupational segregation leads to higher debt to income ratios for women How to purchase a home while paying down your student loans Why you don’t need to stay in high-paying yet unfulfilling jobs as a borrower Why having student loans shouldn’t hold you or your partner back from marriage Why the “fast and furious” approach to paying down your loans is not recommended  
    Like the show? There are several ways you can help!

    Subscribe on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn  
    Feeling helpless when it comes to your student loans?
    Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan

    • 38 min
    Putting Your Goals First and Student Loans Last

    Putting Your Goals First and Student Loans Last

    Want the secret to life with student loans?
    Join me as I talk with senior consultant Lauryn Williams on seven key life goals that should take priority over your student loans, whatever your circumstances in life.
    That’s not to say you should let your loans go into default while going after your goals, but we don’t recommend you sacrifice your dreams because of student loans.
    There is a better way!
    In today’s episode, you'll find out:
    Why sacrificing your goals isn’t as effective as you might think Why borrowers put their life goals on the back burner The key to finding happiness and success in your career while having student loans How income-driven repayment plans can help you safely take on additional debt to get a second degree Why student loans shouldn’t stop you or your partner from getting married How to purchase a home while paying down your student loans How to raise a family and live a comfortable life while navigating your student loans Why it’s okay to start your own business or practice as a borrower How to live anywhere in the world even if you have student loans  
    Like the show? There are several ways you can help!

    Subscribe on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn  
    Feeling helpless when it comes to your student loans?
    Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan

    • 48 min
    The Mental Health Burden of Student Loans

    The Mental Health Burden of Student Loans

    Student loan borrowers face enormous mental health challenges. Our mental health survey of student loan borrowers found that 1 out of every 14 borrowers considered suicide because of their student loans. Listen in as Student Loan Advisor and consultant Meagan Landress CSLP® and I tackle the tough topic of mental health burdens that many borrowers experience. We’re discussing the results of our survey, sharing our thoughts on the various factors that may be contributing to these issues, and our advice to borrowers who are suffering anxiety and depression due to student loans.
    In today’s episode, you'll find out:
    How to manage negative thoughts around student loan debt Why student loan debt doesn’t make you bad or irresponsible Coping mechanisms to manage stress and anxiety What we mean when we say, “Student loan debt isn’t really ‘debt’; it’s more of an income tax” Why PSLF isn’t broken Who suffers the most under the weight of student loans Our thoughts on the growing problem of the number of borrowers who owe six figures in federal student loan debt Why a passive, long-term approach to debt can mathematically make more sense About the unique impact of student loan stress on women and people of color Common concerns borrowers have about PSLF What we think would need to happen to fix the student loan crisis Our recommended resources for those experiencing mental health issues with regard to their student loans  
    Like the show? There are several ways you can help!

    Subscribe on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn  
    Feeling helpless when it comes to your student loans?
    Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan

    • 54 min
    Can You Settle Your Debt?

    Can You Settle Your Debt?

    Join me and special guest Christie Arkovich who has specialized in helping clients get through financial hardships since 1995. Christie was a champion of the student loan system working for Sallie Mae during the early stages of her career but came to realize that the system is broken. We talk about her work for Sallie Mae and why she “switched sides” to help borrowers navigate the many complexities of the student loan industry.
    In today’s episode, you'll find out:
    How student loans used to work with government-guaranteed private lenders A brief history of FFEL loans and why they’re so profitable for lenders Why Direct Loans are the only ones getting government protection under the CARES Act What a student loan stimulus package might include What to expect on student loan forgiveness within the current administration How loan rehabilitation via the CARES Act could be a historic opportunity How COVID has accelerated total and permanent disability applications for student loans How to spot student loan forgiveness scams Why you need a student loan advocate on your side to navigate forgiveness of student loans Possible negative consequences for graduates of nonprofit schools applying for borrower defense to repayment What you need to know about statute of limitations and private student loans Who could benefit from the services of a student loan attorney like Christie Will forgiveness for income-based repayment programs eventually be tax-free Like the show? There are several ways you can help!

    Subscribe on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn  
    Feeling helpless when it comes to your student loans?
    Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan  

    • 49 min
    Will Rising Interest Rates Hurt Me?

    Will Rising Interest Rates Hurt Me?

    If you’re someone with a lot of student loan debt, you’re probably more familiar with the negatives around interest rates. But borrowing money isn’t necessarily a bad thing, and interest rates are a much more interesting and important topic than you might think. I’ll break down what interest rates are, why they’ve been rising steadily in recent months, and give you some guidance on making big decisions that will impact your financial future.
    In today’s episode, you'll find out:
    How interest rates are set in the economy The different between term premium and credit premium Why borrowing money costs more than paying with cash When it makes sense to borrow instead of saving and paying with cash Why student loans cost more than mortgages How pawn shops and payday lenders prey on the poor Why student loan interest rates are usually lower if you refinance Why interest rates don’t matter if you’re pursing PSLF or long-term forgiveness Why the government might focus on cancellation vs. lowering student loan interest rates My prediction on student loan interest rates for 2021 and 2022  
    Like the show? There are several ways you can help!

    Subscribe on Apple Podcasts, Spotify or Google Podcasts Leave an honest review on Apple Podcasts  Follow on Facebook, Twitter, or LinkedIn  
    Feeling helpless when it comes to your student loans?
    Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan

    • 51 min

Customer Reviews

4.8 out of 5
99 Ratings

99 Ratings

emilypoestumler ,

Enjoy this weekly show!

As a PSLF disciple and a sometimes feeling misunderstood aggressive retirement saver, this podcast is my favorite weekly listen! I learn something new every week and have encouraged anyone I know who is pursuing loan forgiveness to listen as well! Thank you for your content.

Davido 76! ,

Not sure about this podcast.

I’ve listened to the first few episodes and am not sure if I’ll continue.

The discussion around the misinformation around the PSLF program in the second episode put the blame on the media...ZERO mention of the bad info given by the student loan services themselves!

That makes his credibility questionable in my mind.

danceitlikeyoufeelit ,

Sorry, not sorry.

I feel like such a nerd for loving this pod SO MUCH. As a FIRE-pursuing Family Med doc with $350+k in loans, it has helped me manage the psychic weight of my debt. Your real talk on depression... retirement... Love it all! Thanks Travis and friends!

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